All new clients of the largest bank in the Russian Federation are offered to participate in the Thank You from Sberbank bonus program. What kind of program is this, and does it make sense to spend time registering in it? Let's go through all the stages of participation together, and then you yourself decide whether you need bonuses from Sberbank or not.
The Thank You bonus program from Sberbank is one of the most promoted in the banking sector. She started in 2011. The essence of the program is that for each purchase with a Sberbank card, you receive a certain amount of bonuses to 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 bank services (and according to Sberbank itself, there are already more than 106 million of them) has the opportunity to return part of the money 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.
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 were verbally informed about this possibility at the bank branch, then they sent an SMS, after that there was an e-mail.
The rules of the bonus program indicate that all Sber card holders can participate in it: debit, credit and payroll. The only condition is to express your desire, that is, to register. Momentum cardholders (not registered, without indicating the owner on the front side) can register no earlier than 5 days after card activation.
The bonus points account is tied 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 in one common piggy bank.
How to connect Thank you from Sberbank
The bank offers three ways to register in its bonus program:
- In the Internet bank "Sberbank Online"
- At ATMs and terminals of Sberbank
- With Mobile Banking
Let's consider each option in more detail.
Sberbank Online
- We enter Sberbank Online (if you are not registered in this system yet, the best option is to visit the nearest branch of the bank and sign an agreement for full-featured access).
- In the personal menu on the right, select the item "Thank you from Sberbank."
- A window opens asking you to enter a mobile phone number in the upper field (a password will be sent to it, so the device must be at hand). In the lower field, enter the email address (any - 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 to read these rules is everyone's business, there is nothing wrong with them, although they are written in a rather complicated language.
- We receive a password on the phone - with its help it will be possible to enter 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 from the card and receive bonuses.
- For complete happiness, we set up a 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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Terminals and ATMs of Sberbank
Here the registration procedure in the bonus program is even simpler.
- We insert the card into the receiver of an ATM or Sberbank terminal.
- Enter 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, which should receive SMS with a password. Enter 10 digits (code +7 is already set by default).
- We are waiting for the password to communicate with 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.
- We 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 in which it is proposed to agree with the rules of the bonus program (to read them, you will have to go to the site, which means you need an Internet connection). Also in the message comes a code of five characters.
- We insert this code into our message and send it to number 900.
- We receive another message with a password for communication with the contact center of the bonus program. That's it, registration is complete.
What points are awarded for and what they are equal to
If in the first years of the “Thank you from Sberbank” program it was lured into it with increased bonuses at the initial stage (1.5% in the first three months), now everything is simple and strict: any purchase brings 0.5% Sberbank points. Purchased in a supermarket for 1000 rubles - get 5 points to your bonus account. One point is equal to one ruble.
Please note: the accrual of points has nothing to do with whether a particular outlet participates in the Thank You from Sberbank program or not. Bonuses are given to you by the bank.
Points are calculated for every 100 rubles spent from 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 - 26 rubles 65 kopecks. In reality, you get 26 bonuses.
The most inexpensive or free 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 expect is 20,000 Thank You Bonuses per month. Don't worry, this is a good amount, you need to spend 4 million rubles to get them.
However, in some cases, you can spend even less. Sberbank partner organizations (including representatives of almost all segments of the trade in goods and services) often offer increased bonuses for purchases - up to 50%. Their interest is also to increase customer loyalty. For example, in the Vologda Oblast there is a regional network of filling stations that returns car owners with Thank You bonuses from 3% to 10% of the cost of purchased fuel. Naturally, I would like to call on such a gas station more often.
On the promo website of the Thanks from Sberbank program, all partners of the Sber bonus project are presented, below I will tell you how to find the right one among dozens of offers.
All accrued points are reflected in the history of operations of the bonus program. In order to see how much and for what you were credited, enter the program website (for example, https://bonus-spasibo.ru/sbrf) and follow these steps:
1 Move the cursor over the Profile menu item at the top of the screen. In the drop-down menu, select "History of operations".
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2 Keep in mind: different sellers have bonuses accrued at different times, so there may not be a chronological order in the history of operations. For example, for promotions from Sberbank partners, Thank you points are often credited immediately, and the standard 0.5% can go to the bonus account for several days. On the history page, you can set the desired time period, systematize purchases by the number of bonuses, and also upload statistics to an .xls file (opens in Excel and other similar programs).
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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 bonus accruals. Most of them are needed to avoid abuse.
So, "Thank you" you will not receive 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 encourage us for);
- when transferring money from card to card (to yourself or other people - it does not matter). Here, too, there is no fact of purchase. Therefore, for example, for a purchase in an unregistered online store (just transferring money to an individual on a card), you will not receive bonuses;
- when converting currencies. 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 others - it does not matter);
- when buying securities and precious metals;
- when making a purchase of 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 spending transactions will not bring points.
Where can I get points Thank you
The program provides for two sources from which Thank you bonuses can be credited to your account.
1 Purchases of goods and services in offline retail outlets.
For any purchase in any organization of any form of ownership, the bank gives you 0.5% bonuses Thank you from the purchase amount.
But when shopping on the Internet, Thank you points will be credited only 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 among the companies accruing Thank you. The procedure is this:
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- In the "search" line, we type the name of the store you are interested in.
- If you do not 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 in partners.
And now about the pleasant. In addition to the standard 0.5% points from Sberbank, you can earn points from Sber partner stores. And here it all depends on the generosity and marketing tasks of sellers.
Look for the best deals:
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All other increased bonuses can be viewed by selecting the “Account Thank You” item in the linear menu.
Along with the usual offers of Sberbank partners, users are periodically offered promotions on special terms. For example, a couple of months ago, I successfully matched the purchase of an expensive device to a special offer from Sberbank: for any purchase with a card more than 30,000 rubles, participants in the bonus program were returned up to 2,500 points Thank you. No conditions were set: only purchase with a card. As a result, 999 bonuses were returned to me in 2 weeks.
Sometimes Thank you is offered as an incentive for participating in contests from Sberbank. For example, for the best selfie with a purchase made using Thank you bonuses, the winner was entitled to from 500 to 1500 points.
Bonuses can pay part of the cost of air tickets, which is also quite convenient.
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There are several ways to find out the number of Thank You bonuses:
1 Via Sberbank-online. After authorization, open the item "Thank you from Sberbank" in the menu on the right. The number of bonuses is indicated in the upper line on the right.
Note: the program page opens in a new window, so if you have pop-up windows blocked, you will need to select the "Allow for this page" item in the pop-up menu under the address bar.
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2 Through an ATM or Sberbank terminal. Authorization in the bonus program occurs by entering the PIN code of the card. 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 bonus points Thank you linked to the card.
3 Via Mobile Banking. We send an SMS to number 900 with the text THANK YOU xxxx (xxxx are the last four digits of the card number). In the response message, you will receive the number of bonus points at the time of the request.
4 Through the mobile application "Thank you from Sberbank". After entering the application interface, in the top line we see the number of points we have.
Where can I redeem my points Thank you
There are not so 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 often change and need to be monitored. It is best to do this on the site https://bonus-spasibo.ru/sbrf or through a mobile application.
The search order is:
- We go to the site, select the item "Partners";
- If your location is not determined automatically, select your (or nearest) city in the top menu;
- In the linear menu, select "Accept Thank you";
- 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 outlets;
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In different regions, the number of partners of the Thank You from Sberbank program is different. The conditions for using bonuses are also different. For example, in the chain of shoe stores Kari, using points, you can get a discount of up to 70%, and in the online store "LitRes" - up to 99%. At Burger King, the discount is valid 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 spend points Thank you
In a partner store of Sberbank, before making a purchase, check with the cashier, seller or consultant if the bonus program is valid. If yes, please state right away that you plan to pay a portion 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 much of them you can spend on this purchase. You choose how much you want to use, points are deducted from your account, and the store provides a discount on this amount.
In an online store participating in the program, the procedure is as follows:
- We place the selected product in the basket;
- 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 of the site.
Frequently asked Questions
Thank you bonuses are awarded in different ways: some immediately after the purchase, others after a few days. Are there any scoring standards?
The rules of the bonus program are as follows: with a purchase amount of less than 15 thousand rubles, points are credited within 5 business days. If you have spent 15 thousand or more, bonuses can be credited within 40 working days. A separate topic is shares from Sberbank partners. These sellers themselves accrue bonuses, so the process goes much faster (often points are credited to the account within a minute after the card is calculated).
https://bonus-spasibo.ru after entering it under your password, the top line indicates the number of bonuses surviving the last days.Tougher conditions apply if you did not use the bonus account at all (that is, did not use the card) during the year. Once the 12 months have expired, all points in the account will be forfeited within 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.
Thanks bonuses are linked to the card. And if I lose the 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 the bonus account will be restored.
Do I earn points for card purchases abroad? I use a Visa Classic Sberbank card on vacation in Turkey, I convert rubles into lira through a Turkish bank.
Thank you bonuses are not credited for the currency conversion operation. But for any purchase abroad, you will receive points from the bank in the same amount as inside Russia - 0.5% for each card transaction (in rubles at the exchange rate of the Central Bank of the Russian Federation, if the purchase was made in foreign currency).
Conclusion
Bonus program Thank you from Sberbank is one of the simplest and most loyal to the user among similar ones in the banking sector. To participate in it, you do not need to issue additional products (discount cards, for example) - a simple registration using one of the proposed methods is enough. Points are awarded automatically for any purchases with a bank card, and you do not need to worry about whether the store participates in the program or not: the bank accrues bonuses. At the same time, some retail chains and online stores offer additional points for purchasing goods and services from them. Discounts can be up to 20%.
The disadvantages of the program Thank you from Sberbank include the presence of restrictions on the number of purchases for which bonuses are awarded. Also note the relatively small number of stores accepting Thank You as a discount. As a result, for many cardholders, points are almost worthless.
At the same time, Sber pays a lot of attention to its bonus program, new promotions and special offers are constantly announced. In 2018, the program participants are, according to representatives of Sberbank, about 30 million people.
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