Cashback on a credit card Sberbank to Excel. Sberbank: debit card with cashback for different occasions. Advantages and disadvantages of the incentive program

Briefly about what we will talk about below:

About the bank

Sberbank is the oldest and largest Russian bank, used by 70% of the population. Founded in 1841, during the Soviet era it was known for its system with savings banks and books. Now he is engaged in the entire range of banking services: deposits, lending, bank cards, money transfers, bank insurance and brokerage services. Sberbank serves as a place of work and a source of income for every 150th Russian family.

The Sberbank group also includes 15 subsidiary banks in the CIS countries, Central and Eastern Europe, and Turkey. Together, they serve 137 million customers in 22 countries. The Sberbank group employs 325 thousand people who improve the service, services and products of the bank.

In order to keep up with the times, the management of Sberbank offers to manage accounts remotely. For this, a system of remote channels for servicing accounts has been developed, which includes:

• online banking "Sberbank Online", which is actively used by more than 30 million customers;
• Sberbank Online applications for smartphones, which were installed by more than 18 million people;
• SMS-service "Mobile Bank" with over 30 million active users;
• 90 thousand self-service devices - ATMs and terminals.

To maintain their position in the market, Sberbank employees are developing technologies and working on loyalty and reward programs. One of these programs is cashback payment - a percentage of the money spent. This attracts new customers and encourages cashless payments.

How cashback works at Sberbank

As a reward for clients, Sberbank pays cashback monthly to cardholders who have registered in the "Thank you from Sberbank" program. The largest cashback is received by Sberbank VISA Platinum cardholders, this is a special cash back card designed to collect bonuses.

Every month you spend a certain amount in cafes, supermarkets, gas stations, etc. If you paid with a cash back card and followed all the conditions of the program, at the end of the month you will be credited with a percentage of the money spent. The more you spend, the more you return.

Sberbank pays cashback not with money, but with special bonuses, which are called bonuses THANKS... 1 such bonus is equal to 1 ruble.

How can you spend your bonuses THANKS:

• for purchases in partner stores of the bank;
• order train tickets
• buy tickets for a concert or show (not all);
• pay for some taxi or car rental services;
• purchase local currency in Odnoklassniki (OK);
• exchange for discounts in partner stores.

As you can see, the ways to spend cashback are quite limited. If you are really only interested in the offers of the bank's partners, you are in luck. In another case, you will have to choose from what is, and the choice is not particularly pleasing. It becomes especially bitter if you look at other banks. There, customers are paid cashback with real money, and if they are paid with bonuses, then they can be spent anywhere.

In addition, Sberbank introduced a limitation on the expiration date of bonuses on cash back cards. You must use them within 36 months, otherwise the bonuses will be canceled.

How and when is cashback accrued

To receive cashback from Sberbank, you need to register the card in the program. To do this, send a message with the text: THANKS **** (where **** are the last 4 digits in your card number) to number 900. Your phone will receive a code that will confirm your consent to participate in the program. If you are already registered, you will receive a message about the status of your bonus account. You can also register at a Sberbank ATM and online banking.

Bonuses for cashback cards are credited after the payment is made and confirmed. It usually takes about 5 business days. If the transaction amount exceeds 15,000 rubles, then bonuses are accrued within 40 working days. This is the maximum time for accruing cashback, after the expiration of this period, you should contact the bank if you have not received bonuses.

Why you can't get cashback at Sberbank

• for payment of utilities, fines, taxes and telecommunications (for example, recharging a mobile account);
• for purchases on a stolen, lost or counterfeit card;
• for transactions that were not confirmed by the acquiring bank due to technical problems;
• for the sixth and subsequent operations at one outlet within one day;
• for returned payments;
• for cash withdrawals and currency conversion;
• for the purchase of securities, precious metals, traveller's checks, etc .;
• for the purchase of prohibited goods;
• for paying bills related to gambling: bookmaker bets, lotteries, sweepstakes, etc.;
• for transferring money to another account (your own or someone else's), replenishment of an electronic wallet;
• for paying for advertising and business services;
• for payments in the Internet bank "Sberbank Online", if this is not a special promotion of the bank, the rules of which indicate the opposite;

About Sberbank VISA Platinum card

This is a debit card, that is, holders can only use the funds deposited in the account. For Sberbank VISA Platinum cards, the largest cashback among Sberbank cards is paid.

Any adult citizen of Russia who has filled out a questionnaire and provided passport data can receive the card. An income statement is not required to receive a card.

Cashback size:

for payment at the gas station- 10% (actually 9.5%);

for Gett and Yandex.Taxi- 10% (actually 9.5%);

cafes and restaurants- 5% (actually 4.5%);

supermarkets - 1,5%;

all the rest - 0,5%.

Cashback limitations:

The amount of cashback per month cannot exceed:

• 1000 bonuses in total for the categories "Gas station", Gett and "Yandex.Taxi";
• 2000 for the category "Cafes and Restaurants";
• 5000 bonuses in total for all categories (if you have collected more than 5000 bonuses in a month, they simply will not be credited).

Additional bonuses

For paying for purchases with a Sberbank card in partner stores, you will receive an additional cashback - 20% of the amount spent. Such an offer is not always valid, but within the framework of special promotions. For example, in October 2017, up to 20% of cashback was received by birthday people and new participants.

Tariffs

Service cash back cards cost 409 rubles per month (4900 rubles / 100 dollars / 100 euros per year).

Replenishment cards are free.

Cash withdrawal free at ATMs and cash desks of Sberbank, at other banks - 1% (at least 100 rubles).

Daily limit cash withdrawals: 500,000 rubles, for exceeding the limit you need to pay an additional 0.5%.

Sberbank cashback reviews

Sberbank's position in the banki.ru rating leaves much to be desired. Of course, you can't please everyone in an institution of this magnitude, but that doesn't mean that you don't need to try. The average mark is 1.5 points, which secured 41st place in the national rating.

Dissatisfied customers most often note the dishonest attitude of employees, connecting to paid services without their consent or warning, difficulties with closing a card, providing incorrect information. As is often the case, many problems arise due to the fact that the client did not read the terms and the agreement too carefully. However, this does not explain the rudeness of employees, technical malfunctions and non-compliance by the bank with the specified deadlines.

At the same time, there are reviews confirming the bank's desire to improve: after appeals and negative reviews, some problems are promptly resolved. Employees respond to more than half of the reviews left on an individual basis. There is hope, and, quite possibly, you will become that rare lucky person, satisfied with the service at Sberbank.

The picture of reviews about the program "Thank you from Sberbank" on the website otzovik.ru looks better: 85% of customers are satisfied with the services.

Of the good, they note impressive discounts, advantageous offers from partners. Among the shortcomings - a limited selection of offers, a small cashback of Sberbank for purchases not from special categories, and the fact that partner stores are not always notified of their participation in the program. The latter is a very serious drawback, given that there are so few partner stores.

Conclusion

+ Pros

• a good percentage of cashback for bills in cafes and restaurants, gas stations, Gett and Yandex.Taxi;
• additional discounts and promotions from partner stores;
• convenient and free remote control system;
• ease of receiving a card and connecting to the cashback program;
• the credibility of the bank;

- Minuses

• paid service of the cashback card;
• limit on the size of the monthly cashback;
• a small percentage on purchases not from special categories;
• cash back is not in money, but in bonuses that you can't spend everywhere yet;
• unfair rounding of numbers: 10% of the declared cashback is 9.5% of the actual one, there is a difference;
• partner institutions are not always notified of their participation in the program;
• a lot of negative reviews about the bank's work.

So, the Sberbank Visa Platinum cashback card was originally invented so that people get more cashback for their daily spending. In fact, it turns out that its main purpose is to attract clients to the bank's partners. Otherwise, you will not spend the received cashback in the form of bonuses. And 0.5% of the total cashback does not look competitive against the background of other banks offering at least 1-2% for any expenses. Of course, if you use the services of the same Yandex.Taxi for 50,000 rubles a year or refuel the car for the same amount, then you will be able to recoup the cost of the card and even receive bonuses from above for purchases in supermarkets and cafes. For them, you can buy something from the bank's partners, if you find a suitable offer. But all this does not look like a profitable deal in the interests of the client, more like a sport for the elite or people who have not found a bank with a better cashback.

Are we idly scrolling through the site? Do we want to connect to the return of money from Sberbank right away? Yes, easily! The best service for interest returns in Russia and the CIS.

Hello everybody! If you don't have Sberbank yet " thanks", It is most likely because you do not know that this is a kind of cashback from Sberbank or simply do not know how to use these" Thank you ".

I'll tell you now.

The topic is cool.

A Sberbank card that gives cashback is like any usual cashback service like Letyshops, just don't bother about the minimum wage when buying and a lot of conditions.

Sberbank bonuses

Everything is clear: received - paid back at least 0.5% back.

In fact, if you have a card, once registered in the bonus program, then you live, as usual, paying by bank transfer wherever possible and you get cashback. Without any crap under the asterisks, like some banks.

And now a little more detail.

What is the article about?

Connection to the bonus program

So, it dawned on you what kind of cashback Sberbank offers.

The question remains how to connect it.

To register, it will only take a minute if you already have a Sberbank card.

Bonus card

There are three options, choose the one that is more convenient for you:

1. At an ATM through the menu item "Bonus program”. You will need a phone number for SMS confirmation of participation.
2. Using any gadget through Sberbank online”, In the personal menu section“ Thank you from Sberbank ”. In addition to a phone number, you will also need a valid email address.
3. By sending an SMS with the text "Thank you XXXX" to number 900, where XXXX are the last digits of your card... This method is the fastest, but only suitable for those who have a mobile bank connected. If for some reason you don't have one, you still have to hit the ATM.

3 options for connecting cashback

Connection to the program is free, of course.

If there is no card, then you will have to wait, but I advise you to get it. For myself, I chose a youth team with cheaper service: it gives an increased percentage for some partners. It will only be given if you are under 24 years old.

But regular Visa also works fine.

If you are already adults and serious, and your card turnover is decent, you can afford expensive service, take platinum: there is generally crazy cashback. Just really figure it out so that everything is repulsed for you, for the sake of show-off it is not worth taking a platinum visa.

Life hack. For those who plan to take a platinum card, I advise you to connect to the "Thank you" program before planning a bunch of purchases, because for newbies there is something like a welcome period, in which there is an increased accrual of bonuses.

It will be a shame if you connect when you go on a paid business trip all inclusive, and the card is lying around idle.

There is also Letual among the discounts in the program!

How much does Sberbank return

At the very beginning, I mentioned 0.5%, but immediately said that this is the minimum that will be from any purchase (except for one exception, which will be discussed later).

In fact, Sberbank always has a bunch of partners listed on the offsite, who charge much more, and some up to 20%!

Among the famous are Bronnitsky jeweler, Rigla, Pyaterochka and other stores.

For example, in Burger King, as much as 10% returns, so for fast food lovers the card will quickly pay for itself.

At one time, when I was young, I even tried "business": I came to the BC and offered people from the queue to pay for their order with their card, and took cash from them. Most then were not in the subject of the bonus program and easily agreed.

For several hours a day I then managed to fill at least two thousand "Thank you".

It's a pity, now this will not work: everyone has already checked out the benefits and are making bonuses for themselves.

Specific pluses

Once again, a list for lovers of specifics:

1. To participate in the program, you will need to spend a minute to register.
2. Participation is free.
3. The percentage is refunded absolutely from every payment made by the card (except for payment to / from).
4. Bonuses are credited very quickly, literally in a couple of days.
5. Probably, this is temporary, but personally it worked out for me: if you return the product, the bonuses are not taken back.
6. Annual maintenance of the card required for participation in the program is several times cheaper than that of competitors.

What I personally liked very much was the fact that the program at Sberbank is not imposed on anyone, and even more so, it is not connected on the sly.

Are there any downsides

Here I first became thoughtful.

1. One is definitely there. Nothing is perfect in this world, alas. You won't wait for bonuses from Sberbank to pay for communal services. Although this is strange, because for the payment of the mobile, thanks drip.
2. The second minus applies only to those who have Momentum and Electron cards (except for social). They can get a limited number of "thank you" per month. While they spend within 20 thousand, bonuses are accrued, then - no. Cheating and issuing several cards in your name will not work: taken into account by the rules, the limits are the same.
3. Holders of co-branded cards “Thank you” are not credited at all.

I did not find any more cons.

Bonuses are easily accumulated, they do not burn out at all.

Well, that is, they burn out after three years, or if the card was left unused for a year, but in such cases, I think, you already deeply do not care about it all.

How can I spend my bonus points?

What to spend bonuses on

If “thank you” is credited for purchases in all stores in a row, then you can not spend them everywhere. The current list is always on the official website (surprisingly, but this section works fine for them).

Moreover, there are convenient filters for sorting. With many partners, you can pay only a part of the purchase with bonuses, but I choose those that accept 99% " thank you», For example, Liters.

By the way, one "thank you" bonus is equal to one ruble.

Just be careful with some of the tricky stores that set their own rules and may refuse to summarize the club card discount and bonus discount.

There is also such a moment: in stores that accept "Thank you", prices are usually higher. But given that the bonuses were essentially for nothing, I'm not worried about this.

Comparison with competitors

Having broken through how profitable it is to stir up all this movement with cashback, almost every bank felt obliged to issue its own card. Some offer a higher percentage than Sberbank.

Others are distinguished by the fact that they do not accrue conditional bonuses, but ordinary rubles that can be spent anywhere.

At first glance, some offers may be more profitable, but I urge you to read everything carefully, not just the advertising offer. Especially under the stars. Because:

• shareware service will cease to be so if you spend less in a month than the bank needs;
• or you will have to keep a decent amount in your account all the time and be nervous if tomorrow the bank with your money will disappear;
• or it will be a bank that has only a couple of ATMs in the city, and you will constantly lose on withdrawing cash and, as a result, no benefit.

If you want to risk it, it's up to you, but I continue to use the savings bank along with other banks.

I'll tell you about them too, but in another review!

conclusions

If you already have a savings card, the service should be activated, given that it is free.

Let him be, he does not ask for food.

Even if you do not keep track of the current list of partner stores and offers with an increased number of bonuses, they will come for a pretty penny.

Then it will help you to pleasantly save on any purchase.

In the same "Five", "Burger King" or somewhere else.

Let's save up for food - and that's okay!

Cashback in English means cash back. The program of the same name is widely used by merchants and banks to reward customers. It implies the return of a certain amount from the payment to the card account or personal account of the online store. Funds cannot be withdrawn, they can only be spent to pay for the next purchases.

Cashback from Sberbank

Participants in the cashback program from Sberbank receive 0.5% of the amount spent when paying with a card for purchases in retail and online stores, cafes, gas stations. Funds are credited to a separate account in the form of “Thank you” bonuses.

Among the stores there is a wide network of partners who charge an increased percentage. Some of the partners accept bonuses for payment at the rate of 1 Thank you = 1 ruble.

Available to all citizens of the Russian Federation aged 21 to 65 years old, permanently or temporarily registered in Russia. To use a Sberbank cashback account, you need its card. It must be registered as an individual and not participate in co-branded promotions Aeroflot Bonus, MTS Bonus. If a client has several cards that meet the conditions, Thank you points are awarded and are available for debiting when paying for any of them.

The program is attractive thanks to:

• the ability to pay for the purchase with balls in part, without waiting for the accumulation of an amount that fully covers the cost;
• a large number of partners;
• a high percentage of bonuses;
• accruals when paying in Russia and abroad, for example, when paying Aliexpress bills, customers also receive 0.5% cashback;
• transparency of information, it is available in detailed form in your personal account.

It is comfortable and pleasant to make purchases, knowing, for example, about 550 bonuses. Thank you on the account. In a partner store, when paying with a Sberbank card, a girl at the checkout or an online payment system will definitely ask if you want to write off bonuses as payment.

Sberbank card with cashback and interest on the balance

Maestro Social and MIR Pension pays pensions and other social benefits. The Maestro Social card from Sberbank with a cashback is archived, existing customers are served, contracts with new ones are concluded under the Pension.

Both debit cards allow you to activate participation in the Sberbank cashback program Thank you. Additionally, the account balance is charged 3.5% per annum. Interest is calculated for the actual number of days, starting from the next after receipt. Interest is paid once every 3 months.

A simplified example of calculating interest on the balance of a pension card:

Accrual period%	Account amount, rub.	Number of days in the period	Calculation of charges: amount x 3.5% / 100% / 365 days x number of days in the period
8.04 – 7.05	10 000	30	28.77 p.
8.05 – 20.05	20000	13	24.93 RUB
21.05 – 7.06	15 000	18	25.89 RUB
8.06 – 1.07	25 000	24	57.53 p.

Total from April 7 to July 1 was charged at an interest rate of 3.5% per annum: 28.77 + 24.93 + 25.89 + 57.53 = 137.12 rubles.

You can order a card for a pension account only in the Mir payment system. Visa and MasterCard, as well as credit cards of the Mir system are not available. Sberbank calculates interest on the balance only on the account of pension cards, it does not charge on the balance of others.

Terms and conditions of bonuses

Bonuses are awarded for each purchase paid with a customer-member card. Accrual occurs within 5 days for payments within 15,000 rubles. It takes up to 2 months to accrue payments over this amount.

According to general rules, when returning the goods to the seller, Thank you are restored to the bonus account.

Some stores do not have the technical ability to return points; to restore the balance, you need to scan the checks and contact the Loyalty Program Center JSC, which implements the program. Certain online stores do not provide refunds for product returns. The buyer is familiar with this condition before the payment procedure.

The minimum bonus amount is 0.5% of the purchase amount. Many retailers charge higher interest rates. The list of partners and their promotions is constantly changing, information is available in the cashback section Thank you on the Sberbank website. The highest bonuses are 30 percent or more of the amount.

Premier members and other holders of premium products receive increased points. For many of them, the accumulated points are enough to pay for air tickets and tourist trips.

How to save

To receive Thank you from Sberbank, a bank card holder just needs to register. For all subsequent purchases paid in non-cash form, bonus points will be returned.

Periodic review of information about participants on the bank's website will allow you to receive additional bonuses. Many online stores charge them when you go to the seller's website from the program page. It is important to select your region in the corresponding menu item.

Accrual restrictions

Bonuses are not awarded for:

• expense transactions through ATMs and cash desks;
• currency exchange;
• purchase of securities, traveller's checks, metals;
• purchase of goods prohibited in the Russian Federation;
• paying bills of casinos, bookmakers, lotteries and other services based on gambling risks;
• transfer of funds to other accounts of individuals;
• payment through Sberbank-online in most cases;
• payment for utility services;
• payment of the sixth amount and all subsequent ones in one store in one day.

Cards that are not credited Thank you:

• corporate, linked to the accounts of individual entrepreneurs and legal entities;
• issued jointly with partners containing their logo: Aeroflot, MTS.

For Momentum owners, bonuses are accrued on transactions, the total amount of which does not exceed RUB 20,000 per month. The limitation applies to the holder, not the card.

Examples:

1. The client has 2 Momentum cards, cashback is connected, there are no other cards. The limit is 20,000 rubles.
2. The client has 2 Sberbank cards: cashback Momentum and MasterCard (it doesn't matter, classic or gold). There are no restrictions.

How to spend

Not all participating stores will accept payment Thank you. The exact list is available by clicking the corresponding filter button in the participant list.

Among the regulars are ozon.ru, BurgerKing, Kari, Dochki-Sinochki. MTS additionally participates in the MTS-bonus program jointly with Sberbank, the operator accepts cashback for payment from 495 Thank you-rubles, but does not charge.

Spending restrictions

Most partners have restrictions on the minimum amount that a client can transfer to payment, for example, 100, 500 Thank you. Some allow you to pay up to 99% of the purchase with points, others - less, for example, Kari - 70%.

Each partner has its own page on the Sberbank website, where all information about its terms of participation is detailed. At the points of sale, partners have a sticker with the Thank You promotion logo, as a rule, on the door and at the checkout, or in the corner of the website. You can always ask a store employee whether it is possible to pay with Sberbank bonuses.

Bonuses are valid for 36 months, after which they expire.

If Sberbank cashback is disabled, re-participation in the program is not provided.

Card with big bonuses

Premium and Platinum Products allow holders to return a higher percentage of cashback:

• 10% at gas stations, Yandex and Gett taxis;
• 5% in restaurants;
• 1.5% in supermarkets.

Maintenance costs at least 4900 rubles per year. Profitable for customers who are ready to pay for purchases through a bank transfer in the amount of 30-35 thousand rubles per month.

Special card with big bonuses

Youth card

Youth card

Debit Sberbank card with cashback for young people of senior school and student age. Available in MasterCard and Visa payment systems. Distinctive features:

• age limit from 14 to 25 years;
• preferential service 150 rubles per year;
• the ability to cash out up to 150,000 rubles per day (especially important when living away from parents, the need to pay for tuition, housing, force majeure);
• profitable cashback from youth partners, the full list of which is over 100 stores, is available on the program page, you need to enable the "Youth" filter.

Debit and credit

Debit and credit cards of Sberbank, including salary cards, have the right to participate in the “Thank you” cashback. The list of stores with preferential points is influenced by the type of card:

• Youth;
• Pension;
• Gold (Gold);
• Premium;
• Platinum;
• Black (Black Edition).

Participation in the bonus program does not affect the ability to receive installments or credit card loans.

How to connect

Cashback is connected for free. Be prepared to confirm your agreement with the program rules. If you want to familiarize yourself with them in detail, do it in advance on the official website or at a Sberbank branch. The rules explain in detail the general principles of participation, accrual and spending of points Thank you, related concepts, contact information.

To connect cashback, registration is required, which can be done in:

• online personal account;
• ATM;
• mobile application.

For registration:

• tell the bank your phone number;
• when registering through your personal Internet account, indicate your email address;
• confirm your agreement with the rules of participation in the program.

After registering in any of the three ways, you will receive an SMS with a password of numbers and Latin letters. It will also be available in your online account. The password will be required in case of contacting the contact center of the program organizer.

If you cannot name it, it will take additional time to identify you. Prepare to provide the operator with your passport details, as well as answer additional questions about the latest payment transactions. The measure is aimed at ensuring the confidentiality of information.

How to disconnect

Having made the decision to turn off Sberbank cashback, weigh the pros and cons for yourself. Client reconnection is not possible.

To terminate participation in the "Thank you" cashback, a verbal notification by the number 8 800 555-5550, additional number 5, or written in electronic form to the address [email protected] You will need to inform:

• your contact information specified when connecting and updating information;
• password for the contact center.

Membership in the program will terminate from the moment the notification is sent. The right to receive or spend bonuses is lost, bonuses expire.

Stock

Thank you stores regularly hold promotions offering additional discounts or higher bonuses. There is always good news in the Promotions tab in the program section.

Video: how to use the card and get Cashback

Conclusion

Sberbank customers often ask why the bank returns funds free of charge. We answer.

Competition among banks and technological progress have brought their services to a high level. The offers of all major banks are identical. It is difficult for banks to attract a large number of new customers through new services. The main task is to retain the existing ones. The loyalty program is aimed at encouraging them.

For Sberbank, “Thank you” cashback is much more effective than advertising in the media. The program is targeted in nature, every ruble spent by the bank reaches the current consumer of its services. The cost of advertising for the bank is higher, its effectiveness is indirect.

Many banks introduce cashback accrual for purchases made. Sberbank also provides its clients with the opportunity to earn on daily expenses, returning part of the spent funds back to the account.

Cashback from Sberbank is a special program that allows you to receive a bonus reward for purchases made that are paid in a non-cash way using a card. The service is not always provided by default, sometimes the bank's client must activate it on his own. To use cashback and earn extra money on your daily spending, you need to meet two simple conditions:

1. Be a Sberbank cardholder;
2. Register in the program Thank you.

Terms of service

The main condition for participation is making payment, because money is credited for regular purchases with a bank card. After each operation, points will be credited to the bonus account, which can then be paid in stores and at the bank's partners at the rate of 1 point = 1 ruble.

The amount of bonus remuneration is mainly calculated at the rate of 0.5% of the amount of purchased goods or services. And if you buy from the bank's partners, you can count on a reward of up to 20% of the total amount of the check.

In addition, in 2017, the bank offered the card with increased cashback... So, holders of the Visa Platinum product can count on not only a high bonus remuneration from partner stores of Sberbank and a standard one for other purchases, but also on such areas as:

1. 10% on costs incurred at gas stations, or for paying trips to Gett and Yandex.Taxi;
2. 5% of expenses in cafes or restaurants;
3. 1.5% off purchases in supermarkets.

And for holders youth cards a wider list of partners with increased cashback was provided. In this case, a number of companies have been added to the regular list, where you can receive up to 10 percent of the cost of the check for your purchases.

Key customer benefits

Becoming a member of the loyalty bonus program is indeed beneficial for the owners of the bank's plastic product. This can be seen as receiving additional discount for a VIP client and the provision of special privileges in service. In today's market and constantly rising prices, using all available saving methods is a very reasonable solution.

Among the main advantages are:

• Registration and participation is absolutely free.
• Holders of several bank cards connect to the program only once. A single bonus account is tied to all existing accounts, including additional cards, where points will be awarded for all payment transactions for purchased goods and services.
• There are many opportunities for high level of remuneration.
• Bonuses are awarded for all purchases made in Russia and abroad.
• The list of partners is constantly expanding.
• New promotions with increased cashback appear regularly.
• The accumulated points will expire only upon termination of the agreement or if the card is not used for a year.

Connection methods

There are several ways to connect bonuses Thank you. These include:

• ATMs and terminals.
• Online bank.
• Mobile phone.

If you do not want to understand the intricacies of the settings, you can always contact the employee of the bank branch who will help you make the settings through your personal account or ATM.

ATMs and terminals

In order to connect cashback through stationary self-service devices of Sberbank - ATMs or payment terminals, you will need to follow this procedure:

Online bank

Having access to the internet You can enable bonuses Thank you by using the Sberbank Online remote card management resource. To perform the operation, you will need to follow these instructions:

Cellular telephone

There is an easy way to connect to the service through a mobile phone linked to a card number. It is enough for this send sms message with an activation code, after which you will receive bonuses Thank you.

The procedure can be carried out in several steps:

After registration, you will receive a message from the bank containing your password. This code is required to communicate with the contact center of the program. Save it as it will come in handy in case of contacting questions about your bonus account.

The Thank You from Sberbank benefit program is a great way to get additional discounts in stores. Particular attention should be paid to the list of the bank's partners; when making payments for goods or services, the amount of remuneration will be significantly increased.

Many banking structures interested in growing popularity and expanding their client base introduce various promotional loyalty programs. Participation in them allows customers to return a certain number of cashback points to their personal account. Subsequently, these bonuses can be spent as payment for the purchase of various goods and payment for services, allowing the owner of the plastic to significantly save personal savings.

Sberbank, one of the largest and most stable banks in the Russian Federation, has also been offering its clients participation in the loyalty program for several years (more precisely, since 2011). It is called "Thank you from Sberbank." But how to connect Sberbank cashback through your personal account, are there any restrictions on participation? These are the questions asked by plastic owners who have only recently learned about such a pleasant way to save money.

There are several ways to connect to the cashback program

What does the concept of cashback points from Sberbank mean?

To find out what cashback is on a Sberbank bank card, you should, first of all, understand what is covered by the word bonus program. It is on the condition of the possibility of obtaining bonus units that the work and the creation of a loyalty program are based.

The service for the accumulation of bonus units is far from always provided by default when issuing a bank card; you need to connect to the Thank you cashback program yourself.

To get all the privileges and start actively accumulating cashbacks, you need to fulfill only two conditions:

1. Be the owner of a plastic card from Sberbank.
2. Complete a full registration in the loyalty program.

The main rules of the bonus program

The main condition for participation in the bonus program is making a cashless payment. With each such transaction, a certain part of the money will be returned to the personal promotional account of the participant in the promotion in the form of bonus units. After the points have been accumulated, they can be spent by paying for part of the purchase of a product or service.

The current conditions of the promotion assume the spending of accumulated points at the rate of 1 bonus = 1 spent ruble. They are accepted by partner stores of Sberbank.

The essence of the loyalty program

Directly the size of cashback is set in the proportion of 0.5% of the total amount spent (by bank transfer). And the cashback partners of Sberbank (trade organizations that also take part in the campaign) give customers up to 20% return on the check. By issuing premium plastic cards, a Sberbank client gets an excellent opportunity for increased cashbacks. In particular:

1. Taxi fare Yandex and Gett, as well as for the cost of gas stations - 10%.
2. Visiting restaurants and cafes - 5%.
3. Purchases of goods in markets - 1.5%.

A student (youth) debit card of Sberbank with a cashback brings its holder an additional 10% from non-cash payments. The owners of such plastic are provided with a fairly large list of companies that offer an increased return bonus.

Advantages and disadvantages of cashback promotions

Experts point out the following advantages of the bonus offer:

• bank reliability;
• free participation;
• convenience in tracking accumulated points;
• constant expansion of the list of Sberbank's trading partners;
• additional promotions and discounts from Sberbank's trading partners;
• ease of registration of plastic and its connection to the promotional program;
• points accrual for all purchases made in the Russian Federation (by bank transfer);
• high interest on cashback, especially on a salary card and premium plastic.

The experts include such nuances as disadvantages:

• paid annual service for cashback plastic;
• impossibility of transferring accumulated bonuses into rubles;
• certain limits on monthly bonus credits;
• reduction of the rate if the transaction is not made in partner stores;
• automatic destruction of all accumulated cashbacks if plastic is not used throughout the year;
• bonus units are not accrued when using corporate plastic cards and co-branded plastic.

Cashback connection methods

Participation in the loyalty program becomes profitable for plastic holders, because against the background of steadily increasing prices, all ways of saving are good. To find out how to connect cashback to a Sberbank card, you should take a closer look at each of the existing methods. And there are several of them:

• through Sberbank-Online;
• by mobile phone;
• ATMs or terminals.

If you have neither the desire nor the time to disassemble each method, you can visit the Sberbank office and seek help from consultants. Bank employees will connect the card to the bonus program within a few minutes.

Existing methods of connecting cashback promotions

Through terminals

To activate the cashback program using Sberbank ATMs / terminals, follow the instructions below:

1. Insert the card into the ATM and activate it by entering the PIN code.
2. From the list of the main menu select and mark the option "Services and information".
3. Go to the "Bonus program" tab.
4. Enter the cell phone number to which the card is linked and confirm your consent to participate.

By mobile phone

This method of connecting to a cashback program, according to user reviews, is one of the simplest and most convenient. To be able to accumulate bonuses, it is enough to send an SMS message with the activation code you received earlier. The procedure is as follows:

1. Compose a message with the text: "THANKS xxxx", where "x" are the last four numbers of the phone number.
2. Send SMS to 900.
3. After a few seconds, you will receive a message with a code, which must be sent in a reply SMS.

After registration, the participant of the cashback program will receive a message containing the password code. This secret word should be remembered and operated with every time you contact the call center for a bonus savings account.

With the help of Sberbank-Online

To connect to the Thank you campaign, you just need to have access to the Internet and authorization on the official portal of Sberbank. To activate the bonus program, you need to go to the option (from the main menu of your personal account) "Thank you from Sberbank". Then enter your cell phone number, E-mail address and confirm your agreement with the program rules.

More than 15 million Russians are already taking part in the Thank you program from Sberbank

How can the accumulated points be used?

Cashbacks are credited to the promotional account in the form of bonus units. According to the terms of participation in the promotion, there are two options for using the accumulated points:

1. Spend them in Sberbank partner stores. In this case, when paying for a purchase at the checkout, you should notify the cashier of your desire.
2. In online stores. Pre-select the desired products and complete the purchase. When specifying the type of payment, mark the bonuses.

It is worth knowing that some of Sberbank's promotions partners offer a fantastic discount for cashbacks in the amount of 99% of the purchase price. But it is also worth understanding that it is not fashionable to pay off bonuses in all stores. Thank you. At the moment, the list of partner organizations includes more than 200 trading companies... You can see this list on the official website of Sberbank in the Thank you section.

conclusions

It is very easy to become a member of the promotional loyalty program from Sberbank and start accumulating cashbacks: you do not have to spend a lot of time and effort for this. But in return, the participant of the action gets an excellent opportunity for profitable purchases. The list of markets and other organizations that take part in the program is growing daily. Therefore, you should regularly monitor the news and choose the best way to manage the accumulated bonuses for yourself.