Holders of Sberbank debit and credit cards have the opportunity to connect to a bonus program called “Thank You”. Thanks to it, you can accumulate points and exchange them for various discounts in stores and other establishments that are partners of this system. However, to successfully use all the possibilities, you need to know how long “Thank you” bonuses are stored and in what situations they expire.

About the program

As the number of financial institutions increases every year, each of them tries to retain old and attract new customers through various promotions and loyalty programs. Despite the fact that Sberbank is one of the most famous banks in Russia, it has also developed a special system so that cardholders have the opportunity to save on purchases.

The “Thank you from Sberbank” program has a large number of partners in every region of the country. This makes it very easy to take advantage of all its benefits. To do this, you need to pay for purchases and services at these retail outlets using a credit or debit card from this bank. In this case, bonus units are credited to the program participant’s account. Their number depends on the amount of the check and the conditions under which the organization cooperates with the bank.

Healthy! Various partners offer 0-10% cashback on the check amount. However, some stores or cafes return up to 20% of the reward to the client’s bonus account. To take advantage of the best offers, you can check in advance the list of organizations collaborating with this system on the official website of the promotion, spasibosberbank.ru.

After accumulating a sufficient number of points in the account, a program participant can pay with them up to 90% of the cost of any goods or services in those establishments where such an opportunity exists. In addition, various promotions are provided for customers. This could be increased cashback for a certain period or the provision of special promotional codes for discounts in various stores.

Recently, different levels of privileges appeared in the “Spasibo from Sberbank” system. In order to move to a higher level and receive additional benefits, you need to complete tasks. A complete list of rules can be found on the offer website in the “Privilege Levels” section.

How to get involved?

A user of a credit or debit card of a given financial institution can choose one of three ways to register in the system:

• at an ATM of this bank;
• using Sberbank Online;
• via mobile banking.

Points validity period

To get the maximum benefit from participating in the system, it is worth knowing when the “Thank You” bonuses expire. There is a period of time during which a person can spend points to pay for any goods or services.

After bonus units are credited to the participant’s account, he is given a period of 3 years to use them. If during this time they were not used for their intended purpose, the receipt of points on the balance is canceled. This procedure is carried out every month.

Interesting! The client can spend the reward at the last minute to prevent it from being burned. To do this, information containing the amount of expiring bonuses appears in the top field of the participant’s personal account.

It is also worth understanding that bonus units may be accrued some time after making a purchase in the store. When concluding a partnership agreement with a bank, a specific period is determined for each organization during which it is obliged to credit cashback to the client’s account. And the validity period of “Thank you” bonuses is calculated from the moment the points are credited to the balance of the loyalty program participant.

Important! There is an opinion that points expire with the onset of the new year. It is erroneous because their expiration date depends only on the date they are credited to the client's account. The end of the calendar year has no significance in this matter.

Other points cancellation cases

In addition to the certain validity period of bonus units, there are a number of other situations when “Thank you” from Sberbank expires. They are also worth knowing in order to prevent irretrievable loss of accumulated rewards. Such cases include:

• absence of any transactions on a bank card for 1 year;
• a system error, as a result of which cashback was credited to the participant’s account for a purchase that he did not make;
• return of goods or payment for a service for which the client received a bonus reward;
• termination of a banking service agreement with a financial institution;
• failure to renew the card upon expiration;
• exclusion of the card holder from the list of persons participating in the loyalty program;
• liquidation of a system partner with receivables, or when the organization is declared bankrupt.

It is possible to find out the exact reason for the cancellation of the reward. To do this, you need to submit a corresponding application.

Balance check

To prevent points from burning out, you should check your bonus account in a timely manner. There are several ways to do this:

• at any ATM of the Central Bank;
• using the Sberbank Online service;
• in a special mobile application “Thank you”;
• when sending SMS to number 900.

The user can choose any of the above options. It is worth checking your balance if you are going to make a purchase using bonuses. This is necessary to avoid unpleasant situations at the institution’s cash desk associated with the cancellation of part of the reward.

Thanks to the “Thank you from Sberbank” campaign, participants get an excellent opportunity to purchase selected products in popular stores with big discounts. To successfully use this offer, it is important to monitor the expiration dates of accruals and spend them on time.

It was created so that Sberbank card holders could take advantage of an additional discount when paying for purchases. To do this, you need to comply with two conditions: buy in and pay with a bank card. After payment, points will be added to the participant’s bonus account, which can be spent within a specified time. Read on to learn whether “Thank You” bonuses from Sberbank expire over time and in what cases.

Advantages of the “Thank you” incentive program from Sberbank

If most purchases are paid by credit card, then the “Thank you” program becomes especially relevant. When you connect to the service, points are automatically credited to your bonus account. The bonuses received can be spent by paying for goods and services in those organizations that perform. The percentages received from each purchase depend on the terms of the promotional offer currently in effect in a particular store. In some organizations, the percentage of bonuses returned can reach from 15% to 50%. Also, for accelerated accumulation of points, Sberbank launched a new “”, which accumulates 20 times more “Thank you” points than with regular bank cards.

The Thank You program is a passive opportunity. It's easy enough to make purchases. Since “Spasibo” has been operating since 2014, during this time all well-known trade organizations and services have joined the list of partners. Among them there is a wide range of delivery services. For those who use air services and other transportation, Sberbank has launched the “” program, providing a 99% discount on ticket bookings. These conditions also apply to the “” program, within the framework of which you can purchase theater and cinema tickets by writing off bonus points.

Do “Thank You” bonuses from Sberbank expire at the end of the year?

All participants in the “Thank You” program are interested in the question of whether accumulated points can “burn out” at the end of the year or after the New Year? Points are canceled if the client has not used a bank card to pay for goods or services within 1 year. The arrival of the New Year does not in any way affect the cancellation of points. The 12 months are counted based on the actual date of termination of use of the card.

Do “Thank You” bonuses from Sberbank expire after replacing the card?

The bonus account is not tied to a specific bank card issue, but is attached to the account number, and upon expiration of the card, “Thank you” points remain on the existing account. Once completed, access to the account will be restored. Even if the card was damaged or stolen, after issuing a new one, the bonuses will remain on the account.

According to the rules of the Sberbank bonus program, When you change the card to a new one, the “Thank you” bonuses do not expire.

In what cases are “Thank You” points canceled?

Sberbank has established strict rules that indicate, as well as the validity period of the “Thank you” points received. Based on the rules, points will be active for 36 months. At the end of this period, from the moment they are accrued, they expire. Also, “Thank you” bonuses are reset if:

1. No payments have been made using a bank card for 12 months;
2. Bonuses were awarded as a result of an error;
3. Accumulated “Thanks” are not spent within 36 months from the date of receipt;
4. There was a return of a purchase for which bonuses were received;
5. The Card Agreement has been terminated;
6. The owner of the Sberbank card is excluded from the list of participants in the incentive program;
7. The partner store that participated in the promotion has ceased operations.

How to check the status of the “Thank you” bonus account from Sberbank?

To do this, there are the following methods:

Via ATM

Almost everyone knows how to use ATMs, so this method is considered the easiest. To go to the appropriate section, you need to select the “Bonus Program” tab. This contains all the data on the status of the bonus account, as well as new promotions.

Through Sberbank Online

You can check the number of bonuses through Sberbank Online by logging in and viewing the “My Bonuses” section.

To check your “Thank you” balance through your personal account, you need to:

Via SMS message

Another convenient way is. To do this, you need to send a request to the number 6470 with the text "9". To order this service, you must have a positive balance on your mobile account, because... The message is paid, and sending it costs 3 rubles. A few seconds after sending the request, your phone will receive information about how many bonuses you have in your account as part of the “Thank you” program.
If the “ ” service was activated on your phone, you can send an SMS with the text THANK YOU XXXX on . Instead of XXXX The last four digits of the bank card number are entered.

Thanks to the “Thank you” bonus program from Sberbank, you can receive additional cash interest for every purchase made with a bank card. This is very convenient, especially if you constantly perform such operations. To check how many bonuses have accumulated over a certain period, you can use several methods.

To encourage its regular customers and attract new ones, Savings Bank decided to create a special program called “Thank you” from Sberbank.

The essence of the program

Sberbank clients who carry out most of their transactions using their bank cards receive a certain number of bonuses on their card account. Interest may vary depending on what promotions the bank runs during a certain period of time. From each ruble, in one of many cases, up to 0.5% of the total cost of the entire purchase can be collected.

Bonuses can also be accumulated one to one. This method of accumulation is considered passive; it does not require any special actions from the cardholder, it is enough just to carry out planned banking transactions. The more movements and operations that occur with a bank card, the more bonuses will accumulate.

How to check bonuses

Many bank card owners are interested in the question of how many bonuses have accumulated over a certain period of time. You can check the balance of your “Thank You” savings from Sberbank in several ways.

The most common way is to check through an ATM of the same bank or information terminal. The card owner needs to find a tab called “Bonus Program”.

You can also check the number of points accrued in the “Personal Menu”, in the “My Bonuses” section through the Sberbank-online system. Those who want to check the number of bonuses can also use the service via a mobile phone by sending an SMS with the number “9” to 6470. Such a message will cost the client three rubles. As a rule, the answer comes within three or five minutes.

Many advanced clients of Sberbank try to use the Sberbank-online system. This method is considered the simplest, and to obtain complete information you only need to know the password of your bank card and have access to the Internet.

After Sberbank Online is opened, you only need to find a certain section - a tab in the right menu of your personal account with the same name Thank you.” Information about accrued bonuses will open in a new browser window.

How long are “Thank you” bonuses from Sberbank stored?

All bonuses are valid for an unlimited time. They can also be saved if the bank card is damaged or lost. Then the client needs to apply for a new card, and after receiving it, you can continue to use this service. Points are canceled only if there are no transactions during the year or if the agreement with Sberbank is terminated.

How to check “thank you” bonuses from Sberbank

The Thank You program from Sberbank was created so that customers can take advantage of an additional discount when paying for purchases. You only need to meet two conditions: buy in certain stores and pay with a bank card. After paying for the purchase, the client’s bonus account will receive points that can be spent within a specific time.

Read on to learn whether Thank You bonuses from Sberbank expire over time and in what cases.

The essence of the program Thanks from Sberbank

If we pay for a good half of our purchases with a bank card, then the Thank You program becomes especially relevant. When you connect to the service, bonuses are automatically credited to your account.

The bonuses received can be spent by paying for goods in the bank’s partner organizations and stores.

The percentages received from each purchase depend on the terms of the promotional offer that is currently valid in a particular store. For example, you can receive 0.5% of the full price of a product from 1 ruble.

The Thank You program is an opportunity to passively accumulate bonus points. As usual, we pay for purchases with a bank card, and points accumulate. You just need to activate the service and make purchases.

Do Thank You bonuses from Sberbank expire at the end of the year?

All users of the Thank you program are interested in the question of whether their bonus points can expire at the end of the year or after the New Year?

Do Thank You bonuses from Sberbank expire after replacing the card?

The Thank You reward program is attached to the card account number and when the card is replaced, the points are transferred to a new one.

According to the rules of the Sberbank bonus program,

When you change the card to a new one, Thank you bonuses do not expire

In what cases are points canceled Thank you

There are 2 conditions under which bonuses are reset:

1. Bonuses are canceled together with termination of the contract.
2. Bonus points expire if no bonus has been debited from the account within 36 months from the moment of enrollment.

If the card expires or is lost, you should go to a bank branch and fill out a corresponding application. In such a situation, bonuses under the Thank You program are redirected to the new card in full.

How to check whether the credited Thank You bonuses from Sberbank have expired?

There are different methods to view the status of accumulated bonuses.

Via ATM

Almost everyone knows how to use ATMs, so this method is considered the simplest. To go to the appropriate section, just click the Bonus program tab. This contains all the information about the status of your bonus account.

Through Sberbank Online

You can check the number of bonuses through the Sberbank Online system by logging into

and view the “My bonuses” section.

As a result, you will be taken to a page that contains all the bonus account data.

To obtain information about current promotions from Sberbank partner companies, you should pay attention to the panel in the right menu in your Personal Account.

Via SMS

Another convenient way is to activate SMS notifications. To do this, you need to send a request to number 6470 with the text “9”. To order this service, you must have a certain amount on your mobile account, because... The cost of a message is 3 rubles. A few seconds after sending the request, your phone will receive information about how many bonuses you have in your account under the Thank you program.

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Many Sberbank users are interested in the question “Do Thank You bonuses from Sberbank expire?” To be very brief, they burn out. However, such a fate should not befall regular customers. If you're a loyalty program user, having your points written off won't come as a surprise. A special application allows you to find out how many bonuses you have in your account. The bank's partner companies also report this. The accumulated Thank You points can be immediately spent on services and goods.

Reasons for deducting points Thank you

Sberbank offers its regular customers a loyalty program in which you can accumulate Thank you bonuses when paying with a bank card. This reward can be conveniently spent on purchases from the bank’s partners in the future. Sellers participating in the program also offer the most favorable terms for rewards.

Thank you bonuses allow you to pay for purchases

But, nevertheless, it is impossible to accumulate bonuses forever. They expire if their validity period passes, and the person does not use the card for a long time or terminates the service agreement with the bank. This situation applies not only to Sberbank. Points, miles and coupons from other companies also expire. Bonuses are a kind of gratitude, encouragement from your bank. And, of course, it is better to use these compliments in a timely manner. You should not think that the reward will accumulate forever in unlimited quantities.

Unfortunately, many users of the main Russian bank are not even aware of this program. They deprive themselves of the opportunity to accumulate and spend points from their purchases. In this situation, possible points are burned out without ever appearing.

By activating the “Thank you from Sberbank” program, the bank client begins to save and spend bonus rubles.

Although regular Sberbank customers will most likely not experience points being written off, it is worth knowing the basic rules according to which this can happen.

Write-off of Thank You bonuses occurs if:

1. You have not used a Sberbank card for more than 12 months. This is a situation where absolutely all your accruals are burned.
2. Bonus points cannot be used for 36 months from the date of accrual.
3. The “Card Agreement” has been terminated for any reason.
4. Sberbank has excluded you personally from the Thank you from Sberbank program, with good reason.
5. You returned the item to the seller for which bonuses were awarded.
6. Thank you points can be written off if the partner goes bankrupt or fails to fulfill his obligations to Sberbank.
7. Thank you points were awarded in error.

All of the above cases are rare. Conscientious bank clients should first of all remember how long bonuses are stored.

Points can also be used to pay for air tickets.

Common customer questions

Clients are often interested in whether bonuses can expire on January 1, when the New Year begins. No, bonuses do not expire. The onset of the New Year does not affect their combustion in any way. The year is counted from the time you stopped using the card. That is, if you do not use plastic for exactly 12 months, bonuses will be written off at any time.

If you change your Sberbank card, you shouldn’t be afraid of losing your points. Your Thank You bonuses are not tied to a specific plastic card, but to an account, so they will remain unchanged. The same applies if the card is stolen or malfunctions. There are no changes to the bonus account.

How to check the number of bonuses Thank you

There are several ways to check your bonus account. The client can easily find out how many points have been accumulated and written off, the validity period of the bonuses, and whether they have expired:

1. Using a Sberbank ATM.
2. Using the Sberbank online mobile application.
3. Via SMS notification. The client needs to send a request with the number “9” to the short number 6470. To track your points, you can choose the method that is most convenient for you personally.

We can conditionally divide all users of the bonus program into 2 large groups: those who prefer to immediately spend their Thank You bonuses on small items in stores or lunches in cafes, and those who save up for a large purchase. The second group of users should be attentive to the simple rules of Sberbank, use the card regularly and not accumulate bonuses for more than 3 years so that the points for the desired purchase do not expire.

View bonuses at Sberbank online

You should always remember that compliments from the bank accumulate gradually and should also gradually be written off if not used on time. So, if you notice that Thank You bonuses from Sberbank have disappeared for the purchase of children's goods purchased in March 3 years ago, then the same fate awaits points from April purchases at a cosmetics store in a month. Having already faced the loss of a certain number of bonuses, you can prevent the rest from burning out. Knowing how long the remaining incentives last, you need to hurry up and choose what you want. You can purchase the product you need by partially paying with bonuses. Thank you. The rest of the amount can be added with real money.

The current Thank You bonus program from Sberbank is available to everyone who uses Sberbank cards to pay for goods and services non-cash. The bank charges only 1.00% of the purchase amount; for every hundred spent, you receive 1 ruble. Points are accumulated in a separate account, you can spend them at any time, but most clients prefer to save up and make a significant purchase, for example, top up the MTS balance, and this can only be done if you have accumulated at least 500 bonuses. Due to the fact that you have to save for a long time, the logical question arises whether thank you bonuses from Sberbank expire and what is their validity period.

Validity period for thank you bonuses from Sberbank

In accordance with the rules of the bonus program dated November 1, 2017, there are 2 write-off options. First, if you haven’t used the card for 12 months or have terminated the service agreement, bonus points written off irrevocably. Second, if you use the card, the expiration date of the points is 36 months. If you paid with a card, but did not touch the bonuses, they will disappear after 3 years. Points are canceled at the end of each month, and expired bonuses for the entire month are written off. For example, on March 12, 2015, you made a contactless payment and bought mascara in a cosmetics store for 900 rubles, and the bank gave you 9 bonus points for this. You continued to use the card, but did not spend the points, then they will be written off at the end of March 2018.

How to find out the deadline for the next write-off of bonuses

If you think that points have been accumulating on your account for quite a long time and may disappear in the near future, check the date of the next debit of thank you bonuses in your personal account on the Sberbank Online website. At the top of the bonus program page, you will find the number of bonuses that can be canceled in the next write-off.

To find out the number of remaining bonuses on your account, read the article -