Points "Bravo" ("Tinkoff") where to spend? Bonus program overview

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

Cashback has gained wide popularity among many customer loy alty programs. Users of cards of Tinkoff Bank JSC can receive a reward for the money spent. The credit institution has implemented a unique system that combines cashback and the usual bonus program. In this regard, many users are interested in how and where to spend Bravo points from Tinkoff.

General information

JSC "Tinkoff Bank" has developed a new loy alty program for its customers. The participants of this program are the owners of Tinkoff plastic cards. Points are awarded for purchases made using the card.

Owners get 1 point for spending 100 rubles, so the total number of bonuses is about 1% of the amount spent. Points are not awardedonly for the purchase of goods in stores, but also for making payments through terminals. It cannot be said that the bank provides many options on how to use Bravo points from Tinkoff.

What is not included in the program?

Customers do not receive bonuses for the following transactions:

• replenishment of a plastic card;
• transfer to another card;
• cash withdrawal;
• transactions through a mobile application;

The program provides for a restriction that concerns the limit on accrual of points. For 1 month, the client is credited with no more than 6,000 conditional bonuses. In the event that the total amount of purchases exceeds 600,000 rubles, conditional points burn out. If the cardholder has spent a not so round amount, then the points will be rounded down during the conversion. When buying for 402 rubles, the cardholder is awarded only 4 points. If a program participant has debts on loans, the bank does not accrue bonuses. After paying off the debt, the bank resumes the loy alty program for the client.

The Bank provides for the accrual of not only ordinary, but also reward points. Increased bonus units are accrued within the framework of certain special offers - the client can receive up to 20% of the amount of purchases made. Remember that reward bonuses are also limited in size, since the maximum amount of accruals does not exceed 6,000. The difference from the usual ones is that reward points do not expire when the limit is exceeded. The client can save up to 12 per month000 bonuses. Card users need to be aware that points are only accrued when drawing up an account statement. After making a purchase, bonuses are not accrued, they are received by cardholders in a month.

Where and how to use bonuses

The question of where to spend Bravo points from Tinkoff is of interest to many customers. Compensation of credit funds occurs in the ratio of 1 ruble=1 point. The user can return the funds for the purchases made in the last 3 months. Bonus points are credited and debited within 24 hours.

Bonus savings expire after 3 years. If the cardholder wishes to pay for dinner in a cafe worth 2000 rubles, then the account must have at least 1 point more than the specified amount. The cardholder can use points to pay the entire amount of the purchase. The program does not provide a partial refund of the cost of purchased goods and services.

Features of accrual

If the bank suspects the client of committing fraudulent activities or abusing the rules of the program, the accumulated points are canceled and the owner disconnects without warning. There are the following types of points:

• Corrective. They are applied when making any errors related to accrual or write-off.
• Prize money. Members earn points by participating in various bank promotions.
• Transactional. Accrual occurs for financial transactions using plasticcards.

The "Bravo" bonus program cannot be classified as typical, since the accrual and use of points has a number of features. Points are credited to customers' accounts after making a purchase, but they cannot be spent and are not displayed in the personal account. When generating a statement of payment for a previous purchase, the points will become visible to the cardholder. After making the minimum payment on the statement, the client sees the number of points to use. If the buyer returns a defective product to the store or cancels the payment, the accrued points are deducted from the personal account.

Use points

The question of how to use Tinkoff Bravo points is the main one for interested clients of this credit institution. Points are a virtual currency, so their value is determined by what you can buy with them. The accrued points can be used to compensate for the payment of goods and services that participate in the program. The bank has developed certain restrictions and rules which are as follows:

• cardholders can only get refunds within 90 days of the date of the transaction;
• compensation of the full amount of points;
• for each point the cardholder gets 1 ruble;
• points can be used if there is no card debt.

Reimbursement of the cost of the purchase can be done using mobile banking. The user needs to enter a special"Bravo" section, which displays a list of completed operations. Then the cardholder should select the necessary operation for compensation and confirm their intention. After the actions taken, the amount of points is completely debited from the personal account, and money comes in return. The question of how to spend Bravo points at Tinkoff is of concern to interested customers. The loy alty program does not delight customers, as it is limited in its capabilities.

How to use points "Bravo" ("Tinkoff")?

Tinkoff Bank JSC declares that Bravo bonuses can be spent on the purchase of railway tickets and payments at catering organizations. Bank JSC "Tinkoff" receives different reviews from customers, since few people liked this bonus system. Many argue that the program does not guarantee a real opportunity to offset expenses. The bank provides too narrow a range of services for which you can spend the accumulated points, so Tinkoff receives negative reviews, since not all customers are satisfied with the quality of the services provided.

The inclusion of a particular operation in the bonus program is determined by a special MMC code, which is assigned to organizations depending on the type of activity. This code is sent to a credit institution, and then the possibility of writing off points is determined, so it is impossible to unambiguously answer the question of where to spend Bravo points from Tinkoff.

Creditthe organization offers customers specialized cards with increased bonuses for the intended use of the card. The bank's partners include:

• Mitsubishi. A 5% refund is made for card payments at gas stations.
• Google Play. Up to 10% points are earned for purchases made.
• "Yulmart". Buyers of this network receive a refund of up to 3%.

The developed loy alty program of Tinkoff Bank JSC is a unique product that allows you to adapt cashback to a credit card. Customers can make points their trusted companion despite harsh terms of use.

We hope that our article has provided comprehensive information on where to spend Bravo points from Tinkoff.