Tinkoff Map S7 Airlines– joint product of TCS and S7. By making spending transactions, you can earn miles that can be exchanged for oneworld alliance tickets. Bonuses are also used to improve the class of service.

The benefit is obvious: for every 60 rubles spent on a flight, up to 4 points are credited to the bonus account. For other acquisitions - up to 2 b.p. For new more attractive conditions for customers.

For active use, up to 20 thousand bonuses are credited as a welcome gift. Cardholders can participate 2 times a year in the closed sales of the company.

Active use of the product will allow you to upgrade your flight class 2 times a year. Delivery is carried out by courier. If the conditions are met, the user is given a silver status.

Credit card S7 Airlines Tinkoff

• world:
• black edition.

World

• grace period - 55 days;
• rate - up to 29.9% per annum;
• accrual procedure: 3 points for every 60 rubles spent on the purchase of tickets, 1.5 - for other operations, up to 18 - for special. proposals;
• maintenance costs 1890 rubles / year;

Black Edition

• grace period - 55 days;
• rate - up to 28.9% per annum;
• accrual order: 4 bonuses for every 60 rubles spent in the airline, 2 - for other operations, up to 18 - for special. proposals;
• maintenance costs 7990 rubles / year;
• commission for cashing out borrowed money- 390 rubles.

S7 Airlines Tinkoff debit card

It falls into the same categories:

1. world;
2. black edition.

World

• R / s service - 190 rubles / month;
• "plastic" is issued free of charge;
• SMS notifications about debit transactions - 59 rubles.
• accrual order: 3 miles for every 60 rubles spent on tickets, 1.5 - for other purchases , up to 18 - on special. suggestions.

Black Edition

• service r / s - 0 r. / month at condition spending at least 200 thousand for billing period. Otherwise - 999 rubles.
• transfer and replenishment - free of charge;
• SMS notifications about debit transactions - 0 rub.
• accrual procedure: 4 bonuses for every 60 rubles in the airline, 2 - for other purchases, up to 18 - for special. suggestions.

Pros and cons of cards

Tinkoff S7 has advantages and disadvantages, like any banking product.

Debit

• participation in the closed sales of the company (obtaining significant discounts);
• free cash withdrawal of borrowed funds at any ATM in the world;
• favorable exchange rate;
• the ability to send savings to a friend;
• free transfers and payments.

Credit

It has additional advantages, in addition to all of the above:

• unhindered access to the business class lounge at the airport;
• support anywhere in the world;
• insurance;
• concierge service;
• a separate number for the owner of the "plastic".

How miles are credited with the S7 Airlines Tinkoff card

For every 60 rubles spent with a credit card on s7.ru or paying for purchases, 4 and 2 miles are credited, respectively. Using the special the company's offers receive up to 18 points for spending transactions. Also Finnish. the organization welcomes new customers who actively use the product:

1. 20 thousand bonuses are credited to the premium account if payments worth more than 600 thousand rubles are sent. during the first 3 months;
2. 12 thousand is charged when spending an amount not exceeding 250 thousand rubles. for the same period.

For every 60 rubles, when paying for purchases on s7.ru and in other companies with a debit card, 3 and 1.5 miles are credited. For purchases on special offers, 18 miles are credited.

How to spend miles on S7 Arlines Tinkoff

Miles on Tinkoff S7 mapcan be spent in different ways:

1. when accumulating 6000 - these are premium flights of the main airlines , as well as the oneworld or emirates alliance;
2. flight class improvement;
3. sending bonuses to a friend or sending them to charity.

Buying a ticket with miles

For them, you can buy a ticket for a premium class flight of many airlines. Its cost depends on the chosen route, tariff (promo, optimum, priority) and flight. A minimum number of points is required for payment - 6000.

How to find out the number of miles

They can be viewed in the LC on the company's website. They will be displayed on the main page in the first 5 days after receiving a monthly statement.

Insurance

Free travel insurance is possible only for owners of "plastic" category black edition. The policy is issued on the website of the organization and sent electronically to the e-mail address.

Important! The insurance covers expenses up to $50,000. Stay in the territory of a foreign state should not exceed 45 days.

How to apply for an S7 Airlines card

For registration you need:

Getting and activating

The product is delivered by courier in an inactive state. It must be activated before use. For this:

Additional Tinkoff S7 Airlines card

Any owner can issue an add. product for relatives. Service will be 0 rubles. The main owner sets a limit for the second card and can control spending: all transactions will be displayed in the monthly statement.

Also will come about the cost of the number of the main owner.

How to compensate for a ticket

If you have 6,000 points on your account, you can exchange them for an award flight from the airline and partners. Unlike the All airlines credit card from TCS, purchase a ticket for own funds not required.

The S7 Airlines Tinkoff card is designed to be able to accumulate special bonuses that can be used to pay for flights on flights of S7 Airlines and partner airlines.

S7 Airlines debit card terms and conditions

Reviews on the Tinkoff S7 card confirm the convenience of using the mile and obtaining the main benefits from the international format product. Today it is possible to issue both a debit and a credit product, which have the same conditions regarding the exchange of points.

A Tinkoff S7 debit card can be issued in World and Black Edition status. According to reviews, in the second case, there is an increased accrual of miles, and it also has a greater value due to its status and special benefits. The cost of servicing the first is 190 rubles, the second - 999 rubles per month. If you maintain 150,000 or more Tinkoff World cards on your balance for a month, then you can use it for free.

Reviews about MasterCard World S7

According to reviews, MasterCard World S7 is more in demand, although it does not have such advantages of a premium product:

• travel medical insurance;
• individual service: separate line, personal manager;
• concierge service: hotel booking, ordering a car, etc. assistance;
• access to business lounges (free of charge subject to a balance of 250 thousand).

Also, the applicant has the right to order an additional Tinkoff S7 card for their loved ones.

The Tinkoff MasterCard debit card is designed to perform all basic banking operations:

• replenishment of the account through terminals (cash) or transfer (non-cash);
• execution of transfers to individuals;
• payments at retail points of sale and online stores;
• online payment to service providers;
• cash withdrawal;
• use abroad.

Registration procedure

After sending the application to Tinkoff, a bank employee contacts the client and agrees on the place and time of the meeting to hand over the card. In this case, you need to have a passport with you. After receiving the plastic, you need to activate. To do this, on the Tinkoff website in the Activation section, you need to enter its number and confirm it using your phone.

Rules for calculating miles according to S7

Miles in Tinkoff via S7 are credited to a debit card when performing debit transactions under the following conditions (for every 60 rubles) on a MasterCard Word card:

• 3 miles for expenses on the S7.ru website;
• 1.5 if the client maintains a balance of 150k;
• 1,25.

For premium MasterCard cards tariffs are increased:

• 4 - on the resource S7.ru;
• 2, if the balance is above 300 thousand;

Additional miles are credited when buying from bank partners. Each company determines its own bonus amount. Up to 18 miles can be earned with these specials.

See what ways you can earn miles

To exchange savings, you need to go to the S7 website and log in as a member. Next, you need to select a flight using a special service: select an airline, specify dates, times, places of departure and arrival. In addition to S7 Airlines, you can choose any of the 15 airlines operating in 150 countries around the world.

After that, you need to choose a payment method - miles. The indicated number will be debited from the bonus account.

For S7 owners twice a year there are air ticket sales that are closed to other citizens.

In addition, the program participant has the following opportunities:

• With the help of bonus units, upgrade the class: having an economy class ticket, fly in business class;
• After accumulating 6,000 bonuses, get a ticket for a regular S7 Airlines flight;
• Transfer miles to your loved one, if he does not have enough to purchase the service - from 500. And also receive transfers from friends participating in the S7 project.

S7 credit card terms and conditions

The Tinkoff S7 credit card is endowed with similar capabilities, but is also intended for using bank borrowed funds within the permitted limit. It is prescribed individually, the maximum is limited:

• Word: up to 700 thousand words
• Black Edition: up to 1.5 million

Bank debt repayment

After use loan funds Tinkoff, the borrower has the right to return them without interest. For this, a special grace period has been established in Tinkoff - up to 55 days. If the debt is not repaid at this time, then the amount of the debt is subject to interest rate 18.9-29.9%. For cash withdrawal operations, the rates are higher - 25.9-39.9%. For receiving money, a commission of 390 rubles is charged at a time, but if you withdraw from 3000, then you do not need to pay it.

If you do not repay the debt during the grace period, you must pay the mandatory minimum payment

Tinkoff Bank, together with S7 airline, has released a line plastic cards with the name Tinkoff S7 Airlines. These cards allow you to accumulate miles for flights not only with C7 airlines but also with other airlines, pay for goods and services in stores and on the Internet, and also have the full functionality of regular cards.

What is needed for registration

To date, both debit and credit plastics are available, and each of the cards is issued in two categories World and a premium Black Edition. You can get a card by ordering it via the Internet, for a debit card you only need to provide a passport to a bank employee, and credit cards can be obtained if a number of conditions are met:

• Age from 18 years old;
• Presence of residence in the region of the Bank's representative office;
• Work experience of at least 3 months at the last place of work at the time of application.

Private Tinkoff office allows you to remotely manage all services, including the Tinkoff S7 card, request statements, replenish it and select bonus benefits.

Differences between World and Black edition maps

For those who like to accumulate money and travel in comfort, in addition to a credit card with a simple set of World options, a black card is offered, already known to many for its status in past products from Tinkoff. Choosing the Black Edition product, the user gets the opportunity to be served by a personal manager, order concierge services (this is something like a professional guide to cities on a trip), get access to business classes while waiting for a liner and free insurance coverage up to $ 50,000.

On credit cards of the Black category, an increased accrual is possible bonus miles for each transaction made with plastic, and the amount of credit coverage when purchasing a card is 2 times higher and amounts to 1,500,000 rubles against 700,000.

The bank independently assigns the loan amount, and with proper debt servicing and no delays, it can unilaterally raise the limit and lower the loan rate.

By paying every 60 rubles on S7 flights, you can earn from 1.5 to 4 miles, depending on the offer category, and you can also earn up to 2 miles for every 60 rubles paid in stores.

If you have at least 6,000 miles, you can exchange them for a flight or part of it, upgrade the class of the waiting room, the level of service. You can also transfer miles to personal account friends, if they do not have enough to make a flight.

Maintenance cost

All types of cards are nominal and are issued free of charge with a subsequent annual service fee.

The cost of issuing and maintaining cards depends on the category, for the World debit card category it will be 190 rubles per month, and if there is a minimum balance of 150,000 rubles, the procedure will be free. Under the same conditions, but with an increased commission for account maintenance, a premium category card is opened, and the cost of maintenance will be 999 rubles per month.

For all cards in the amount of more than 3,000 rubles, free withdrawal of money at any ATMs in the world, and the SMS service - notifications for transactions performed will be 59 rubles per month.

Conditions for obtaining a card

Money is borrowed from 18.9 to 29.9% per annum, and exact information can be obtained after the approval of the credit card and depends on:

• The length of service of the borrower;
• official income;
• Certificates of income in the form 2_NDFL;
• age.

The minimum amount to repay the loan is set at 8% of the debt, there is a grace period - the period during which you can use the bank's funds without commission. Grace period is 55 days

SMS - notification of transactions is paid and will amount to 59 rubles per month for a service connected to one credit card.

For cash withdrawal operations, the bank may charge a commission from 35.9 to 39.9%, depending on the location of the ATM and the amount of the transaction.

The cost of servicing a global credit card and a premium card will be 1,890 and 7,990 rubles, respectively, and additional cards for accounts with the ability to independently regulate financial flows will cost 590 and 3,990 rubles.

How to spend miles

Upon receipt of any type of plastic and its activation in the personal account on the website https://www.tinkoff.ru, the user can receive 12,000 welcome miles, which can be used when paying for flights and services in the airport lounges.

When buying from the bank's retail partners, you can earn up to 18 miles when choosing certain special offers.

You can choose to pay with miles when you set the route and date of the flight on the carrier's website.

Note that you can write off miles not only with S7, but also with many major airlines, such as Lufthanza and Air France.

In addition to deducting miles for a flight, you can upgrade the class of the flight itself, mark a specific seat in the cabin for yourself and choose a luggage storage location.

For its customers and holders of Tinkoff products, the airline holds closed ticket sales twice a year, you can get an invitation by fulfilling all the conditions of an active participant bonus program per quarter. In addition, subject to these conditions, up to 25% of their value will be added to the mileage account.

All operations for the purchase of tickets can be carried out not only using a laptop or computer, but also mobile devices by downloading the Tinkoff applications on Google Play and the AppStore.

Conclusion

The Tinkoff S7 Bank card is a good offer for those who like to travel a lot and comfortably. If we consider plastics of the World category, then the amount of service for them is quite comparable to what other retail banks offer.

Cards of black, premium categories are distinguished by the ability to travel to its owner in comfort, regardless of the point of the world.

You can get a card in 1-2 days, with the ability to make purchases and earn miles. The standard grace period will allow you to use plastic as a simple credit card, saving on flights from time to time.

You can get Silver status not for flights, but for purchases

Grade: 5

The card is issued in 4 versions - debit and credit, each can be regular (World) or privileged (Black Edition). I have a World credit card. I didn’t manage to receive gift 12,000 miles, there was no turnover for 3 months in the amount of 250,000 rubles. But even without them, life is great, the accrual of miles is one of the most generous among competitors. For 60 rubles spent on the S7 website, they give 3 miles, for any other purchase only 1.5. I try to look into the special offers section more often, often for 60 rubles you can get up to 18 miles. Moreover, a variety of sellers participate in the promotion, from "Read-Gorod" to Burger King.
I use miles to buy tickets for S7 and airlines that are members of the One World alliance. Only the cost of a plane ticket is compensated with miles, airport taxes are paid in cash. To make a purchase with miles, you need to accumulate at least 6,000, and you will not be able to partially pay for a ticket with miles. The main difference of the card is the opportunity to get Silver status not for the number of flights, but for purchases. But for this, the turnover for the quarter must be at least 800,000 rubles. Free travel insurance for this card is not provided, you have to purchase separately.

Card Features

Grade: 5

The card provides the following features:
1. obtaining a separate number for service;
2. the ability to easily cash out money at any ATM around the world;
3. to carry out any payments and transfers without any commissions;
4. use the services of a concierge service, the service makes it possible to book a hotel, car, restaurant, etc. in any city around the world;
5. gives access to business lounges;
6. draw up an insurance policy;
7. emergency service;
8. reissue the card at any time;
9. use the most favorable conversion rate.
The cost of SMS banking on the card costs 59 rubles per month. The service is quite convenient and allows you to receive SMS about the completion of all transactions on the card.
Let me give you an example, for 6 months I paid with a card for goods in the amount of about 90 thousand rubles. For this, I was credited with 45,000 miles. This amount was enough to exchange a mile for a ticket to Germany in business class. The offer not only saves cash for tickets, as well as to upgrade the class of service.
In my opinion, the card offers favorable conditions. I don't see any cons for the customer.

Profitable proposition

Grade: 5

It makes sense to have a Black Edition

Grade: 5

Six months ago I got an S7 Black Edition credit card. Annual maintenance costs decent money - 7990 rubles, but it's worth it.
First, I got the right to participate in the company's private air ticket sales, which are held twice a year. On the 20th of April, I purchased tickets for various destinations with a 30% discount.
Secondly, there is the most profitable accrual of miles, not all competitors can boast of such conditions.
Thirdly, I have a personal manager and a dedicated number in the S7 call center.
Fourthly, I always have access to the airport business lounge, in the concierge service they communicate with me in Russian.
Fifthly, insurance with a coverage of $ 50,000 was automatically connected free of charge, which is valid in any country. For ordinary cardholders, this option is not available.
Sixthly, for the 600,000 rubles spent in 3 months after activation, they gave me 20,000 miles, it turns out I beat off one round-trip ticket to Europe.
Possible credit limit on a serious card - 1,500,000 rubles, with an ideal credit history and available consumer credit in another bank they approved me 500,000 rubles. The miles accumulated during the year do not burn out only if you accumulate at least 5,000 miles.

Traveler Benefits

Grade: 5

I travel a lot for work, so I opened a Tinkoff S7 World debit card (there is also an S7 Black, but it’s very expensive service, 999 rubles / month) my card has free service with an account balance of more than 150 thousand rubles, with a smaller balance amount - service of 190 rubles.
In addition to a good cashback of 3 miles for every 60 rubles spent. on the S7 website and 1.5 miles / 60 rubles. for other purchases, the bank offers a good exchange rate and cash withdrawals without commission in any country in the world, with a transaction amount of more than 3,000 rubles. or its currency equivalent. You can see the number of accumulated miles on the website of the bank's partner - S7. Miles are credited only for paying for goods or services, any money, even non-cash transfers are not the basis for calculation.
The minimum amount to write off miles is 6000, you can also transfer them to a friend, in this case the minimum amount will be 500 miles. With the help of miles, you can not only pay for all or part of the cost of the ticket, there is also the possibility of upgrading the class of service once a year and changing the flight from economy class to business. More expensive card gives additional benefits to travelers - free insurance and access to the business lounges of all major airports.

Not only tickets at great prices

Grade: 5

Tinkoff issues S7 Airlines credit cards of the World and Black Editions types, the second card can be equated to platinum or gold, it gives more bonuses and cashback, but its annual service costs much more - 7990 rubles, against 1890 rubles. for the year of service of the first card.
But when applying for the Black Edition, the client receives a credit limit of up to 1.5 million and an increased accrual of miles for every 60 rubles spent. On the S7 website, 4 miles and 2 miles for other non-cash transactions are returned to the balance. In World cards, the credit limit is 700 thousand rubles and 3 miles for every 60 rubles. from the purchase amount in S7 and 1.5 for the rest. Both cards have several common advantages - a high credit limit, a grace period of 55 days and reduced requirements for borrowers (only a passport is required, proof of income is not required).
Which card to choose, the client must decide for himself, depending on how often he plans to use the services of the S7 website, which is a convenient service for booking and buying tickets. The owners of these cards immediately become members of the S7 Priority club and have the opportunity to participate in closed ticket sales and receive more discounts.

Inferior in terms of usability to All Airlines

Grade: 4

Tinkov has the most generous miles accrual system, you can quickly save up for a free ticket. But since the card allows you to accumulate miles only for S7, all the disadvantages of a mono-brand card immediately come out, and All Airlines with its small accruals in the form of bonuses begins to look more attractive. Accumulated S7 miles can be exchanged for a ticket only if there are tickets available for purchase with miles on the required date. You have to plan your trip well in advance. Upgrades are also available subject to availability in business class and can only be done at the check-in desk. All accumulated miles burn out if less than 5000 are earned per year. If you don’t fly often, then there is no point in such a card, it’s better to take All Airlines where miles live for 5 years. I have both S7 credit and debit cards. Miles are accumulated on one bonus account. When using a credit card, the reward is more generous. I'm thinking of changing the tariff from World to Black Edition. In the second case, there are a lot of privileges and free insurance with good coverage. The cost of regular insurance is comparable to the annual service at the Black Edition tariff. It is better to immediately issue a convenient card than to buy a policy separately.

Upgrade with regular miles

Grade: 5

The S7 co-brand card, combined with the airline's wide route network, is an excellent solution for the budget traveler. By actively using the card, I save quite a lot of money. A big plus of the card is the absence of restrictions on the number of miles that can be credited for a certain period, how much you spent - how many miles you received. The conditions on the card are transparent, there are no hidden fees.
When concluding a contract, you must immediately refuse a bunch of additional services. I did not pay attention to this, later I had to turn it off in my personal account on my own, but for 1 month the fee was still written off. Another advantage of the card is the opportunity to upgrade the class of service not for flight miles, but for ordinary miles, no one else has this. All accrued miles are displayed in your S7 Priority account. The login is the ID-code on the card, consists of 9 characters, located under the name. Before issuing the card, I had an account on the S7 website with accumulated miles. When the card is activated, a new personal account is created, the merging of the new account with the old one does not automatically occur, it is necessary to write to support. If necessary, the miles accumulated in this way can be presented to another member of the loyalty program.

As for the accrual of miles, they are credited without delay (within 5 days) and in full. Moreover, this card gives 3 miles for every 60 rubles spent. That is, the required number of them can be dialed quickly enough, especially if you use it for daily expenses. And then they can be exchanged without any problems and spent on the purchase of air tickets. However, you will need to register personal account in the s7 Priority program. Since all operations with bonuses are performed only through it. Which is not very convenient, although it does not cause excessive trouble.

Questions and answers

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Tinkoff has developed a special loyalty program together with S7 Airlines. 4 types of cards are issued: debit and credit World and Black Edition. Plastic belongs payment system mastercard. It is allowed to switch to the program at any time, re-issuance of existing cards is not required. But the points and bonuses accumulated under other programs burn out. Information about what is happening miles All Airlines, not spelled out in the rules.

Tinkoff–S7 loyalty program

Co-brand plastic holders:

• earn miles for purchases and flights by S7 and OneWorld alliance companies;
• buy tickets for closed (held quarterly, the date is announced in advance);
• exchange savings for free tickets;
• upgrade the service class from economy to business;
• withdraw cash from any ATM in the world free of charge if the amount exceeds 3,000 rubles;
• exchange currency at a favorable internal rate of the bank;
• retain the privileges of the classic S7 Priority program.

OneWorld member airlines
S7	Qatar Airways
american airlines	Royal Jordanian
cathay pacific	Srilanka Airlines
FinnAir	Dragonair
british airways	Emirates
Iberia	Lan Ecuador
Japan Airlines	Lan Express
Latam Airlines	Lan Peru
Malaysia Airlines	Tam Airlines
Qantas	US Airways

Members of the Oneworld Alliance

Clients who made debit transactions in the amount of 800,000 in the first 90 days of owning World type cards receive additional opportunities:

• assignment of S7 Priority silver level, accrual of bonuses increases by 25%;
• check-in on a par with business passengers, priority boarding;
• free choice of preferred location;
• free transportation of abnormal baggage;
• once every 365 days, a free exchange of an economy class ticket for a business one.

Mastercard World S7 Tinkoff

Owners of the Black Edition at the same expense, in addition to the privileges mentioned above, receive the following:

• 2 times a year free exchange of an economy class ticket for a business one;
• insurance in the amount of $100,000 covering the cardholder, spouse and three children under 18 years of age and covering medical expenses (including skiing and snowboarding accidents);
• dedicated phone number when contacting the S7 call center;
• personal bank manager;
• concierge service in one's native language (hotel booking, car rental, restaurant reservation, familiarization with the poster of cultural events at the place of stay);
• access to airport business lounges as part of the LongeKey program with free treats, comfortable environment and upholstered furniture (registration required at loungekey.com/tinkoff).

Mastercard Black Edition S7 Tinkoff

Special promotions for cardholders are regularly held.

For example: until January 31, 2019, 20% of the purchase price is returned for duty free purchases. Until February 28, 2019, Tinkoff-Crossroads points are available for exchange for S7 miles at a favorable rate (8 points = 1 mile).

S7 Priority Loyalty Program

Adults and children over 2 years old can participate. Remuneration is accrued only for flights by S7 and airlines of the OneWorld alliance and only for the tariffs involved in the accrual.

There are 4 levels (Basic, Silver, Gold, Platinum), which differ in the number of miles received and the set of privileges.

You can get additional rewards for using the services of partners (hotels, rental offices, restaurants, shops).

Participants have the right:

• receive discounts on tickets for children and infants;
• to recover miles for the last 6 months during the initial registration and in the case when you forgot to indicate the member number when purchasing a ticket;
• purchase award tickets;
• improve the class of service and choose seats;
• purchase miles if the accumulated miles are not enough (maximum 10,000 per year).

If, when ordering payment cards or a credit card, a potential client is already an S7 Priority member, then when filling out the application, you must indicate the member number (applied on the front side under the full name).

If this is not done, a new bonus account will be opened. To combine savings, you will have to contact the S7 support service, 30 days are allotted for consideration according to the regulations.

For accelerated accumulation, it is more expedient to use co-branded bank cards. Credit cards are more profitable than S7 debit cards from Tinkoff, if they fit into the grace period and do not pay interest on borrowed funds.

Debit cards

The bonus calculation looks like this:

Card maintenance will cost 190 rubles per month, if you do not constantly keep more than 150,000 rubles (for World) and 300,000 rubles (for Black Edition) on your account. The daily incoming balance is taken into account. Overdraft and installment plans are allowed.

Credit cards

The payout looks like this:

The credit limit for World type cards is 700,000, for the Black Edition - 1500,000. The standard grace period is 55 days. Installment connection is possible.

Annual service World will cost - 1890, and Black Edition - 7990 rubles.

Features of accrual

The reward is displayed on the account in the personal account on s7.ru 5 working days after the statement is generated.

With the simultaneous use of credit cards, settlement and additional cards, miles are accumulated on a common account.

When counting, 1 mile is given for the full 60 rubles. Fractional accrual is not provided, rounding down to the nearest whole number.

Example: a product worth 45356 was purchased. 45000 will be credited: 60 = 755.93 = 755 miles.

If you spend 50,000 a month on daily needs and buy tickets for S7.ru for 30,000 a year, then maps World 16,500 miles will be credited, and 22,000 miles for Black Edition cards (provided that debit cards the minimum balance remains).

For the first flight with S7, the airline gives 500 welcome miles. If debit transactions in the amount of 250,000 were made on credit cards in the first 3 months, the bank will accrue 12,000 gift miles. This is enough to purchase a premium one-way ticket to Barcelona.

With expenses over 600,000, they give 20,000 miles. This is enough to purchase a one-way premium ticket to Vladivostok. To receive a gift, you need to make 1 paid flight at the rate participating in the accrual of miles.

When there are no miles:

• there is a difference in the spelling of the full name. in the personal account and in the ticket or the date of birth does not match;
• replenishment and withdrawal of cash and performance of equivalent transactions;
• acquisition of financial instruments (cheques, shares, bonds, etc.);
• payment of utilities, Internet, mobile phone;
• transfer of funds (including replenishment of electronic wallets);
• gambling;
• payment for goods, works and services through the Internet bank or mobile application.

Tinkoff is not responsible if the acquiring bank provided incorrect information regarding the transaction or assigned erroneous MCC codes.

Miles are saved until the end of the current year and the next 2 years. A paid extension is possible. Bonuses become non-combustible if at least 1 paid flight is made during the year at a suitable fare and at least 5,000 are collected (prize and promotional ones are not taken into account).

If fraudulent actions or abuses of the loyalty program are detected (the rules do not specify what is meant by this), accrual is suspended until all circumstances are clarified. If a decision is made to disconnect the client from the program, then reconnection is impossible.

How to spend miles

You can spend your savings in the following ways:

• buy a ticket for S7 flights (minimum 6000);
• buy a ticket for flights of the OneWorld alliance (minimum 7500);
• transfer to a friend (from 500);
• upgrade the class of service (from 6500) via the Internet (not earlier than 24 hours before departure) or at check-in at the airport (not earlier than 3 hours before departure);
• book a standard seat (from 1000) or extra comfort (from 2500);
• pay for excess baggage (from 5000), it is possible only for direct flights;
• Donate to RUSFOND or Ordinary Miracle for charity.

Services are available to fellow travelers if they are in the same booking as a member of the loyalty program.

The site s7.ru presents miles calculator. It will allow you to find out how much is due for a specific flight or how much is needed to purchase an award ticket, taking into account the type of card, customer status in the loyalty program and the airline.

Mileage calculator example

How to find out the balance of savings

You can track miles on the S7 Tinkoff card in the following ways:

• on S7.ru;
• in the monthly statement;
• by phone 8-800-100-77-11 and 7-495-777-77-11.

Advantages and disadvantages

The undeniable advantages of S7 cards from Tinkoff Bank include the following points:

• developed route network of S7 airline and OneWorld alliance (150 countries, 1000 destinations);
• there are no restrictions on the maximum accrual of miles in the billing period;
• upon termination banking agreement unused miles do not expire, as information about them is stored by the partner;
• issuing cards for clients with different needs;
• interesting set of privileges;
• insurance covering family members of the account holder;
• ease of obtaining and using;
• high limits on credit cards.

The disadvantages are the following:

• an award ticket must be purchased in advance, the number of flights is limited;
• service class upgrade is possible subject to availability;
• it is unprofitable to purchase tickets for miles in one direction;
• additional privileges are granted only when making large expenses;
• when upgrading from business to economy class, the baggage allowance remains unchanged;
• sales are not always interesting (often the discount does not exceed 15%);
• Miles cannot be used to purchase a Business Pass;
• part of the ticket cannot be paid with miles, only in full;
• taxes and fees are not paid by miles, only by own funds;
• the card cannot be made multi-currency, which would be extremely useful for travelers (you have to get several cards in different currencies);
• when canceling a flight or returning a ticket, miles are not compensated;
• expensive yearly maintenance.

Active users of co-branded cards respond positively to the product in general. I especially like the possibility of withdrawing cash around the world without commission fees (you need to clarify in advance whether the ATM itself takes a commission). The conditions for accruing miles are transparent, there are no delays.

Ordering and receiving a card is easy. With the use of additional privileges, there are no difficulties. The bank is client-oriented, in case of difficulties it often goes towards the client.

Program comparison with All Airlines

Tinkoff offers its customers to fly for free, anywhere, with any airline. The program is interesting for those who often travel around the world with different airlines.

Miles are credited for any purchases in the form of cashback (10% for purchases at tinkoff.travel.ru, 5% for train tickets, 2% for everything else). In general, the conditions are less attractive than under the Tinkoff-S7 program:

• welcome miles do not exceed 5000;
• the maximum credit limit is 700,000 rubles;
• it is impossible to spend savings when buying a ticket, you can only compensate for expenses already incurred within 90 days;
• the maximum accrual for the billing period is 6,000 miles (if more are accumulated, the payment is transferred to the next month);
• no access to airline privileges.

conclusions

Tinkoff Bank managed to create a high-tech product adapted to users with different needs and incomes. Everything is done to ensure that the accumulation of miles goes as quickly as possible.

The S7 Tinkoff card has no significant disadvantages. But it will be of interest only to those who really often fly S7 flights and use the services of airlines that are members of the OneWorld global alliance.