Bravo bonus program: how to spend Tinkoff points?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In our time, many banks are trying to interest their customers with profitable offers for them. One of those who have succeeded in this is Tinkoff.

The Bank has developed the Bravo bonus program, which is offered for all credit cards, except for Odnoklassniki and All Airlines. Each client connects to it automatically. What kind of program is this and how to spend Tinkoff points? This is worth talking about in a little more detail.

About the program

So, Bravo points are conventional units that allow Tinkoff credit card holders to get back part of the money spent. In other words, cashback.

Every credit card holder is already connected to such a program. It is free and no money or points are withdrawn for its use.

For every 100 rubles spent, a person gets 1 point. Thus, the cashback is 1% of the purchase. For this operation to be counted, a person must make a non-cash payment with a card through an ATM, terminal or cash desk.

Thinking about how to spend Tinkoff points, keep in mind that the refund amount is always rounded down. If, for example, a person spent 3780 rubles, then he will receive not 37, 8 bonuses, but only 37.

However, there is a way to get more points. Bank partners often offer special offers, using which you can return up to 20-30% of the purchase.

Why not get bonuses?

Before discussing how to spend Tinkoff points, you need to list the operations for which they are not awarded. This is:

• Cash withdrawal.
• Transfer money using details to another organization.
• Pay for goods and services via mobile or online banking.
• Transfer to electronic wallets.
• Payments for utilities, Internet, TV and communications.
• Transfer funds from a Tinkoff credit card to other cards.
• Transactions with some MCCs. Their list is presented by the official resource of the bank.

It is also important to clarify that a maximum of 6,000 points can be earned per month. The bank will not charge more, even if a person spends a substantial amount.

Cashback algorithm

And now you can learn how to spend Tinkoff points. It should be noted that you can use them only after making a purchase by bank transfer. Actions are simple:

• You need to log in to your personal Internet banking account.
• Find the Bravo section.
• Click on "Refund Purchase with Points". This item is on the menu.
• Confirm operation.

After that, you can wait for the funds to be credited to the card. They will return within the next day. Here are some important things to consider:

• All bonuses from the card cannot be reset. At least 1 must be kept.
• Purchases can only be returned within 90 days of purchase.
• Cannot refund part of the purchase. Only the full amount can be paid with points.

In the process of spending bonuses, there is nothing difficult, as in accumulating them.

Important nuances

So, it has already been discussed above how to use Tinkoff points. Finally, you need to list the nuances that every person who is interested in this bonus program should know in order not to get into an unpleasant situation due to a misunderstanding of some points:

• According to the terms of the loy alty program, bonuses can be used to pay for railway tickets and orders made in public catering.
• Compensation is carried out at the rate of 1 point=1 ruble.
• The bonus is credited immediately after the bank processes the transaction made by the client.
• When the card is closed or the contract is terminated, the previously accrued Bravo Tinkoff bonuses are not returned in any way and are not issued in cash.
• If an insufficient amount of bonuses has been credited to a client due to a system error, he will be compensated.
• Bank on a personal notediscretion may conduct various promotional activities, including incentives. Within their framework, the client is offered a larger percentage of cashback.
• Tinkoff, popular on the Internet, does not accrue bonuses if a person has not paid the monthly minimum payment on a loan or has overdue debts.

All the necessary information on your account can be found in your personal account. All you need is mobile internet for this.

"Tinkoff" arranged everything conveniently, the personal account contains information about the funds available on the account, the accumulated points, the total debt and minimum payments. You don’t even have to count anything, everything is written in words (“redeemed”, “paid”, etc.).