The "Thank you" program from Sberbank: where it works, conditions, reviews

2024 Author: Howard Calhoun | [email protected]. Last modified: 2024-01-17 18:37

The "Thank you" program from Sberbank should be understood as a program for accruing bonuses and points, which occurs as a result of making purchases with a Sberbank card. When making payments, points are credited to the client's bonus account, which can be further disposed of.

The essence of the program

Such a program is a promotion from the bank in relation to its customers. The main condition for participation is the presence of a bank card. The advantage of the program is that it allows the cardholder to reduce their material costs due to the possibility of using bonuses.

As a result of making purchases, the customer accumulates points, which are then used to receive discounts in a huge list of stores across the country.

How to become a member

A few steps to become a member of the program:

• Purchase a Sberbank card. The exception is Maestro, Maestro "Social" cards of the North-Western Bank of Sberbank of Russia (with numbers 676195, 639002551).
• Register for a program thatit is possible to carry out in two ways: through a self-service terminal (ATM), through Sberbank Online. These issues will be discussed in more detail below.
• Make purchases, while paying by card in all stores where there is such an opportunity.

Requirements for program participants are not particularly strict. They can be both owners of Premium cards, as well as ordinary pension and salary cards. The exception is affiliate cards. Some features for Momentum cards: you can register in the system only after 5 working days from the date of opening.

If the holder has several cards, bonuses will be accumulated for each, and then summed up.

Using an ATM when connecting to the promotion

It is necessary to perform the following sequential steps to connect the action.

1. Find any Sberbank terminal and insert a card.
2. Enter PIN code.
3. Find the main menu, item "Bonus program".
4. On the ATM screen, you must enter your cell phone number and confirm your consent to connect the program. There are hints everywhere.
5. Next, an SMS should come to the specified phone number. This SMS will contain a special password. It is he who will need to be reported to the operator when contacting the bank's call center regarding the functioning of the program.

Using Sberbank Online for registration

The sequence of actions here is slightly different.

1. You must log in to your personal account from a computer or mobile device.
2. Select "My bonuses" section in the menu
3. Enter your email and phone number.
4. An SMS notification with a password will be sent to your cell phone.

Bonuses and points: accumulate and spend

In order to receive bonuses under the program wherever "Thank you" from Sberbank is valid, it is necessary to pay with a bank card in all possible situations. For each ruble spent, 1.5 bonuses are paid during the first three months of registration in the program and 0.5 bonuses in the following months of participation in the program.

Sometimes there are promotions with significantly higher bonuses for purchases, you need to keep an eye on this. The terms for receiving points are usually up to 5 business days, if the purchase amount is not higher than 15,000 rubles, if this limit is exceeded, the terms can increase up to forty days. If the card has been inactive for more than 12 months, all points and bonuses on it will expire.

You need to spend bonuses where "Thank you" from Sberbank works. There are a lot of options. Since the conditions of the promotion stipulate that 1 bonus is 1 ruble, the cardholder will receive a discount in the amount of accumulated bonuses. Such received bonuses are now accepted as a means of payment in tens of thousands of stores and online stores where "Thank you" from Sberbank operates in Moscow and throughout the country. If the cardholder has points on the bonus account, then he can exchange them for a discount, the amount of which can be up to 99% of the cost of the goods. That is,for example, a client has 1000 bonuses in his account. The item he wants to buy costs 2,000 rubles. In such a situation, he pays half with bonuses in the amount of 1,000 rubles, and pays the other half in rubles. Another situation: the client has 1000 bonuses on his account, and the goods also cost 1000 rubles. Then he pays 999 rubles in bonuses and pays 1 ruble extra, which is very profitable.

However, in order to spend bonuses, you must do the following:

• at the checkout where the "Thank you" program from Sberbank operates, inform the seller in advance that it is planned to spend bonuses under the program;
• indicate the amount of bonuses to be debited to the seller;
• pay the rest with a Sberbank card.

The use of bonuses in online stores is built approximately according to the same scheme, but there is a peculiarity:

• you need to place the goods for purchase in the basket;
• among the payment methods, it is necessary to highlight payment with "Thank you" bonuses;
• there are always tips on the sites on how to make the payment correctly.

Changes in the program from 2018-01-07

Summer in the program "Thank you" from Sberbank there were changes in the rules of use. The main goal of such changes is aimed at increasing the number of bank cardholders, both debit and credit. The new system has four levels of privileges for cardholders. Accordingly, as the client's privilege level increases,share of deductions in favor of bonuses. In addition, points began to be accumulated not only when paying with a card, but also when completing certain tasks. The peculiarity is the fact that if the client has a goal to move to a higher level, then he must use the card more actively.

The new system is based on the same principle: 1 ruble=1 bonus=100 rubles spent from the card. If the amount is not equal to 100 rubles, then rounding goes down. All Sberbank cardholders can still participate in the program.

The table below shows all levels of the program more clearly.

Study the structure of the "Thank you" program from Sberbank.

Level 1	2nd level	3rd level	4th level
"Thank you"	"Thank you very much"	"Thank you so much"	"More than Thank You"
Regular bonuses: 0.5% for card purchases	Regular bonuses: 0.5% for card purchases	Increased bonuses for two categories of purchases: up to 20% bonuses in categories: stores and partner sites	Increase bonuses for four categories of purchases: up to 20% bonuses in the categories: stores where "Thank you" from Sberbank is valid, and on partner websites (restaurants, gas stations, pharmacies, cinemas andetc). Possibility to exchange bonuses for rubles
No tasks	Quests: · spend over 30% on the card; · buy over 5000 rubles; Average daily card balance over 10,000 rubles; · Credit card limit spending over 10%.	Quests: · spend over 50% on the card; · buy over 5000 rubles; Average daily card balance over 10,000 rubles; · credit card limit spending over 10%; · do not pay at branches and ATMs; · do not pay in Sberbank Online.	Quests: · spend over 85% on the card; · buy over 5000 rubles; Average daily card balance over 10,000 rubles; · credit card limit spending over 50%; · do not pay at branches and ATMs; · do not pay in Sberbank Online; · take a credit card once every 3 months or replenish the deposit once every three months.

A personal account in the bonus program allows the cardholder to track their own savings, as well as bonuses that have been spent.

Partner Stores

Partners in the promotion, where "Thank you" from Sberbank is valid, are stores where the cardholder and the program participant can save money by paying instead of rubles with accumulated bonuses under the program.

Among the partners of Sberbank who participate in the promotion, you canhighlight the largest stores and Internet sites in our country: MTS, Euroset, Svyaznoy, jewelry stores 585 and Zolotoy, Ozon.ru. The official website of Sberbank provides a complete list of all partner stores.

Where does "Thank you" from Sberbank work? Let's select the largest and most famous partners in the table.

Partner	Bonus amount
BAON	3 %
Delivery Club	Up to 20%
Gett	1-4 %
InOptika	3, 5%
lamoda	5 %
Master Card	0, 5 %
OZON	1-3 %
Suchi city	5 %
TEZ TOUR	5 %
Visa	0, 5 %
"Burger King"	5-10 %
"Daughters-Sons"	2 %
Euroset	0, 5-5 %
"Kinomax"	5-8 %
"Comus"	1, 5-3 %
"L'Etoile"	5-7 %
"M. Video"	1, 5%
"Baby"	5 %
"Papa John's"	2-5 %
"Dishes Center"	1-3 %
"Pyaterochka"	0, 5 %
"Sberbank Insurance"	5 %
"Sibneft"	2 %
"Tatneft"	3 %
"Shoe Factory"	3 %

This list is far from complete.

When points are not awarded

Here is a list of situations where points are not awarded for using the program:

• Withdrawing cash from the card.
• Transfer money from one card to another.
• Currency conversions.
• Payment through the Sberbank Online system.
• If you pay for the services of Internet providers and mobile operators.
• Transfer to electronic wallets.
• If securities and precious metals are bought.
• If goods prohibited by the legislation of the Russian Federation are bought.
• If this is the sixth purchase of the day, the first five accruals go.
• Tuition fees.
• Utility payments.
• Paying fines and pen alties.
• Payment is made by Maestro, MTS or MTS-bonus, Maestro social, Aeroflot cards.

Where you can spend in Moscow

The list of stores where "Thank you" bonuses from Sberbank are valid in Moscow is very huge. Below is a list of the most famous of them:

• Burger King restaurant chain;
• Pyaterochka supermarkets;
• Kari chain stores;
• EKA fuel company;
• Euroset salons;
• Moscow Jewelry Factory;
• "Window Factory";
• "AutoGermes" (car dealerships);
• "Uyuterra";
• "Technosad";
• Suchi-City;
• "Evalar" (chain of pharmacies);
• "Polyclinic.ru" and others.

Where you can spend bonuses in St. Petersburg

The list of stores where "Thank you" bonuses from Sberbank in St. Petersburg are also huge.

You can spend points in the following cases:

• purchasing products and goods in stores;
• online shopping;
• buying railway tickets or airline tickets;
• exchange for discount coupons, certificates or promotional codes;
• transfer to charitable foundations.

There are more than 20,000 trade organizations in St. Petersburg that accept bonuses as payment. Among acquiredgoods can be found: home and interior goods, food, cosmetics, perfumes, shoes and clothes, tours, tickets, jewelry, etc.

List of partner stores where "Thank you" from Sberbank in St. Petersburg is valid:

• "M. Video";
• "Technosila";
• Philips;
• Lamoda;
• chain of pharmacies: "Vita", "Rigla", "Evalar", "Classic", "Fitofarm", "Be He althy", "First Aid", "Good Pharmacy", "Doctor Stoletov";
• Kari.

Pharmacy: popular program partners

Very common partners of the program today are various chains of pharmacies, which are in almost every city in the country. Before you buy a medicine, be sure to check whether bonuses are accepted.

Most pharmacies with Sberbank Thank You points offer a standard percentage - 0.5, but some offer a higher one:

• "Classic" - 10%;
• "Rainbow" - 5%;
• "Rigla" - 7%;
• "Performation" - 3%;
• "Evalar" - 2%.

In some pharmacies near the cash register you can see special stickers with the designation of the program. So, here you can pay bonuses. The exception is online pharmacies, where you won't be able to pay with bonuses.

It is possible to single out large pharmacies where"Thank you" from Sberbank, which are partners of the program:

• "Classic";
• "Rainbow";
• "Performation";
• "Be he althy";
• "First Aid";
• "Vita";
• "Rigla;
• "Evalar";
• "FitoFarm";
• "Doctor Stoletov";
• "Good pharmacy".

System flaws

Judging by the reviews, the system has been working very successfully and effectively towards progress for several years now. However, it is not without drawbacks. The main ones are:

• Unclear terms of transfer to rubles;
• levels 3 and 4 are impossible for most citizens to achieve;
• the list of partners for the implementation of bonuses is quite narrow;
• if not used for 90 days, bonuses expire;
• constant monitoring of task completion by levels;
• The bonus scheme is not very clear and vague.

In closing

Thus, the "Thank you" program from Sberbank is very convenient and quite common among bank cardholders. Today, about 17 million citizens of the country are participants in this program, and this number is constantly growing. It allows people to save decent amounts if they actively use a bank card. In recent years, the program is gaining more and more popularity among the population. This is due to the fact that the service is absolutefree. And the list of stores where "Thank you" from Sberbank is valid is constantly growing.