Briefly about what we will talk about below:

About the bank

Sberbank is the oldest and largest Russian bank, used by 70% of the population. Founded in 1841, during the Soviet era it was known for its system with savings banks and books. Now he is engaged in the entire range of banking services: deposits, lending, bank cards, money transfers, bank insurance and brokerage services. Sberbank serves as a place of work and a source of income for every 150th Russian family.

The Sberbank group also includes 15 subsidiary banks in the CIS countries, Central and Eastern Europe, and Turkey. Together, they serve 137 million customers in 22 countries. The Sberbank group employs 325 thousand people who improve the service, services and products of the bank.

In order to keep up with the times, the management of Sberbank offers to manage accounts remotely. For this, a system of remote channels for servicing accounts has been developed, which includes:

• online banking "Sberbank Online", which is actively used by more than 30 million customers;
• Sberbank Online applications for smartphones, which were installed by more than 18 million people;
• SMS-service "Mobile Bank" with over 30 million active users;
• 90 thousand self-service devices - ATMs and terminals.

To maintain their position in the market, Sberbank employees are developing technologies and working on loyalty and reward programs. One of these programs is cashback payment - a percentage of the money spent. This attracts new customers and encourages cashless payments.

How cashback works at Sberbank

As a reward for clients, Sberbank pays cashback monthly to cardholders who have registered in the "Thank you from Sberbank" program. The largest cashback is received by Sberbank VISA Platinum cardholders, this is a special cash back card designed to collect bonuses.

Every month you spend a certain amount in cafes, supermarkets, gas stations, etc. If you paid with a cash back card and followed all the conditions of the program, at the end of the month you will be credited with a percentage of the money spent. The more you spend, the more you return.

Sberbank pays cashback not with money, but with special bonuses, which are called bonuses THANK YOU... 1 such bonus is equal to 1 ruble.

How can you spend your bonuses THANKS:

• for purchases in partner stores of the bank;
• order train tickets
• buy tickets for a concert or show (not all);
• pay for some taxi or car rental services;
• purchase local currency in Odnoklassniki (OK);
• exchange for discounts in partner stores.

As you can see, the ways to spend cashback are quite limited. If you are really only interested in the offers of the bank's partners, you are in luck. In another case, you will have to choose from what is, and the choice is not particularly pleasing. It becomes especially bitter if you look at other banks. There, customers are paid cashback with real money, and if they are paid with bonuses, then they can be spent anywhere.

In addition, Sberbank introduced a limitation on the expiration date of bonuses on cash back cards. You must use them within 36 months, otherwise the bonuses will be canceled.

How and when is cashback accrued

To receive cashback from Sberbank, you need to register the card in the program. To do this, send a message with the text: THANKS **** (where **** are the last 4 digits in your card number) to number 900. Your phone will receive a code that will confirm your consent to participate in the program. If you are already registered, you will receive a message about the status of your bonus account. You can also register at a Sberbank ATM and online banking.

Bonuses for cashback cards are credited after the payment is made and confirmed. It usually takes about 5 business days. If the transaction amount exceeds 15,000 rubles, then bonuses are accrued within 40 working days. This is the maximum time for accruing cashback, after the expiration of this period, you should contact the bank if you have not received bonuses.

Why you can't get cashback at Sberbank

• for payment of utilities, fines, taxes and telecommunications (for example, recharging a mobile account);
• for purchases on a stolen, lost or counterfeit card;
• for transactions that were not confirmed by the acquiring bank due to technical problems;
• for the sixth and subsequent operations at one outlet within one day;
• for returned payments;
• for cash withdrawals and currency conversion;
• for the purchase of securities, precious metals, traveller's checks, etc .;
• for the purchase of prohibited goods;
• for paying bills related to gambling: bookmaker bets, lotteries, sweepstakes, etc.;
• for transferring money to another account (your own or someone else's), replenishment of an electronic wallet;
• for paying for advertising and business services;
• for payments in the Internet bank "Sberbank Online", if this is not a special promotion of the bank, the rules of which indicate the opposite;

About Sberbank VISA Platinum card

This is a debit card, that is, holders can only use the funds deposited in the account. For Sberbank VISA Platinum cards, the largest cashback among Sberbank cards is paid.

Any adult citizen of Russia who has filled out a questionnaire and provided passport data can receive the card. An income statement is not required to receive a card.

Cashback size:

for payment at the gas station- 10% (actually 9.5%);

for Gett and Yandex.Taxi- 10% (actually 9.5%);

cafes and restaurants- 5% (actually 4.5%);

supermarkets - 1,5%;

all the rest - 0,5%.

Cashback limitations:

The amount of cashback per month cannot exceed:

• 1000 bonuses in total for the categories "Gas station", Gett and "Yandex.Taxi";
• 2000 for the category "Cafes and Restaurants";
• 5000 bonuses in total for all categories (if you have collected more than 5000 bonuses in a month, they simply will not be credited).

Additional bonuses

For paying for purchases with a Sberbank card in partner stores, you will receive an additional cashback - 20% of the amount spent. Such an offer is not always valid, but within the framework of special promotions. For example, in October 2017, up to 20% of cashback was received by birthday people and new participants.

Rates

Service cash back cards cost 409 rubles per month (4900 rubles / 100 dollars / 100 euros per year).

Replenishment cards are free.

Cash withdrawal free at ATMs and cash desks of Sberbank, at other banks - 1% (at least 100 rubles).

Daily limit cash withdrawals: 500,000 rubles, for exceeding the limit you need to pay an additional 0.5%.

Sberbank cashback reviews

Sberbank's position in the banki.ru rating leaves much to be desired. Of course, you can't please everyone in an institution of this magnitude, but that doesn't mean that you don't need to try. The average mark is 1.5 points, which secured 41st place in the national rating.

Dissatisfied customers most often note the dishonest attitude of employees, connecting to paid services without their consent or warning, difficulties with closing a card, providing incorrect information. As is often the case, many problems arise due to the fact that the client did not read the terms and the agreement too carefully. However, this does not explain the rudeness of employees, technical malfunctions and non-compliance by the bank with the specified deadlines.

At the same time, there are reviews confirming the bank's desire to improve: after appeals and negative reviews, some problems are promptly resolved. Employees respond to more than half of the reviews left on an individual basis. There is hope, and, quite possibly, you will become that rare lucky person, satisfied with the service at Sberbank.

The picture of reviews about the program "Thank you from Sberbank" on the website otzovik.ru looks better: 85% of customers are satisfied with the services.

Of the good, they note impressive discounts, advantageous offers from partners. Among the shortcomings - a limited selection of offers, a small cashback of Sberbank for purchases not from special categories, and the fact that partner stores are not always notified of their participation in the program. The latter is a very serious drawback, given that there are so few partner stores.

Conclusion

+ Pros

• a good percentage of cashback for bills in cafes and restaurants, gas stations, Gett and Yandex.Taxi;
• additional discounts and promotions from partner stores;
• convenient and free remote control system;
• ease of obtaining a card and connecting to the cashback program;
• the credibility of the bank;

- Minuses

• paid service of the cashback card;
• limit on the size of the monthly cashback;
• a small percentage on purchases not from special categories;
• cash back is not in money, but in bonuses that you can't spend everywhere yet;
• unfair rounding of numbers: 10% of the declared cashback is 9.5% of the actual one, there is a difference;
• partner institutions are not always notified of their participation in the program;
• a lot of negative reviews about the bank's work.

So, the Sberbank Visa Platinum cashback card was originally invented so that people get more cashback for their daily spending. In fact, it turns out that its main purpose is to attract clients to the bank's partners. Otherwise, you will not spend the received cashback in the form of bonuses. And 0.5% of the total cashback does not look competitive against the background of other banks offering at least 1-2% for any expenses. Of course, if you use the services of the same Yandex.Taxi for 50,000 rubles a year or refuel the car for the same amount, then you will be able to recoup the cost of the card and even receive bonuses from above for purchases in supermarkets and cafes. For them, you can buy something from the bank's partners, if you find a suitable offer. But all this does not look like a profitable deal in the interests of the client, more like a sport for the elite or people who have not found a bank with a better cashback.

For a long time Sberbank remains the largest and most popular banking organization in Russia and has its own branches in the CIS countries. Favorable tariff plans for salary and credit offers, government support, high solvency, increased credit limits, and an expanded list of services provided contributed to the assignment of the "national" status. Sberbank cashback is a modern program for the return of part of the funds when making purchases.

The status of the largest organization has made it possible to conclude many partnership agreements with private and commercial companies, making the conditions for the return of funds even more profitable. The purchase of goods from partners, active participation in promotions and the presence of a functional user cabinet make the issue of connecting a modern function relevant.

In this article, we will consider:

1. a list of offers that support work with the CashBack platform;
2. connection of options;
3. obtaining the most favorable conditions;
4. user reviews and other work specifics.

Sberbank "card with cashback" is available to individuals in accordance with the program for the introduction of modern technical and software technologies into mass distribution. Debit and credit users were asked to independently activate the option using one of the available methods.

Holders of a debit card of one of the popular payment systems - Visa, Master Card or their domestic analogue of the Mir card - got the opportunity to enable the Thank you function for free, which is a unified Cashback service.

Credit users have a similar opportunity. Compatibility with popular Aeroflot Bonus partner programs and other similar solutions is guaranteed. You do not need to produce a separate plastic product, allowing you to save not only money, but also time.

Immediately from the moment of activation, the user gets access to all the unique offers that make it profitable to work with a modern payment service.

It is required to consider the features of working with a personal account, since a powerful user interface has been integrated into it for setting up and managing Cashback. This issue will be discussed in a separate section.

How to connect cashback to a Sberbank card

Considering the current user question "How to connect Sberbank cashback?", The following options can be distinguished:

• by contacting a free service office, where the operator will tell you in detail about the conditions of the offer and manually activate it;
• by contacting a support specialist using one of the available methods. This can be a call to a round-the-clock service number, issuing a ticket or a written request in the virtual form of the official website, communication via Skype. Preliminarily formulate your question, after which a company employee will promptly contact you and help you solve the problem;
• use of an ATM;
• by entering the user's personal account using the official website or mobile application based on the Android, iOS and Windows Phone operating systems.

Each of the above options might solve your problem. Let's consider them in more detail. The list of available service offices in your region is published in a separate section of the official website, where a convenient search system is organized. You will be required to provide a passport and fill out an application according to the established template.

The easiest option is to call the free support service or leave a written request. Pre-inform your personal data, indicate your desire to connect "Thank you" - a single CashBack service.

Other ways to activate the service

Sberbank will help owners of cash back Mastercard with the standard functionality of an ATM owned by the largest private organization. For this:

1. Insert the plastic product into the special connector;
2. Select the language of service and enter your personal access code;
3. Go to the "Additional services" section. Its name may vary depending on the version of the ATM used;
4. Select the "Thank you" item and activate it;
5. Remove the plastic product.

You can also get access to your personal account, where unique functionality opens. After going through the authorization process, you can:

• see the current balance of funds on current salary and loan offers;
• connect through your personal account "Thank you" and other options that expand the basic functionality of a powerful payment instrument;
• withdraw money using one of the available methods to partner payment solutions;
• return cashback to real currency and configure it in a separate section of the control panel;
• order a detailed statement of the latest financial credits, debits, accruals of bonus points and other options used;
• find out up-to-date information about the latest updates and partner offers of the bank. It is recommended to periodically review this section, which will allow you to benefit from the largest domestic organization;
• contact support, leaving a ticket with the text of the error that occurred and other information.

Sberbank card with cashback and interest on the balance

A modern banking solution can be issued with an activated cashback service. To do this, indicate your desire in the service center, after which you can immediately use the functionality.

The base interest rate for accruing cashback is 0.5% of the purchase price. The list includes products that are not owned by partner organizations. The promotion is also extended abroad, which makes the debit card the most profitable for the client.

Accrual of interest on the minimum monthly balance of funds - a passive increase in your income.

The tariff rate may vary depending on the type of tariff. Detailed information is indicated in the corresponding section of the official website. Replenishment with interest on the balance – is popular with both ordinary payroll clients and holders of credit tariffs who support this opportunity. Support specialists provide a free consultation regarding the accrual of bonuses.

The list of partners is constantly updated due to the conclusion of new agreements. This policy allows you to increase the percentage of refund up to 10%. We will consider this issue separately.

Sberbank cashback - 10 percent

Bank cards of Gold and Platinum statuses have the opportunity to increase the interest rate due to their premium status. This policy makes it possible to return up to 10 percent of the money spent on the purchase of goods. Classic users are also not deprived of this opportunity.

In order to attract new customers, promotions are often held that allow you to purchase expensive goods from certain categories of partner stores with a refund of up to 10% of the cost to the balance.

It is recommended to subscribe to the newsletter for free, where you can quickly find out about active promotional offers. Saving money and passively accumulating a balance depends on your care and ability to make the most of all the opportunities offered.

Customer feedback on system operation

Users of the Sberbank debit cashback card had time to familiarize themselves with the basic and advanced functionality, which contributed to the writing of a number of reviews, mostly of a positive nature. It is especially noted:

1. the possibility of free activation "Thank you", which makes it available for use on any type of plastic solution from the largest banking organization;
2. the well-thought-out control panel has an intuitive interface and does not cause problems even for novice PC users. Here you can not only find out basic information about the balance of money on your personal account, but also use third-party options, including CashBack management;
3. separately proposed interest accrual on the minimum cash balance. So you can organize passive earnings;
4. active shopping and the availability of a premium version of a plastic product will help not only save on purchases, but also get rid of the need for monthly maintenance fees;
5. a powerful payment service can be connected using a number of available methods using a 24-hour contact number, ATM, website and control panel.

You can see information about other features of working with the service on a separate page. Here are also provided quick links for remote activation of cashback. Take advantage of all the advantages of a banking operator and get profit.

The mobile application can be downloaded from the official market of each operating system. The functionality of Sberbank-Mobile does not differ from the full version and is available for everyday use anywhere. The developers ensure complete confidentiality of personal data, but they recommend to additionally observe the following protection measures:

• authorize only on the official version of the Sberbank website, third-party developments from fraudsters can facilitate the theft of your data for further transfer of funds;
• download the application only from a trusted source - the application store of your smartphone. Read the reviews beforehand;
• periodically check your computer for third-party software and viruses that can also take over your personal data and transfer it to cybercriminals.

Hello everyone who dropped by!

Today will be a very difficult topic for me, as we will discuss cashback at Sberbank.

Yes, my eyes start to twitch when I see this phrase - return of interest on cards in Sberbank, but it's silly to deny that the green bank's "plates" are one of the most popular on our market.

But why?

NOTE! Friends, I describe all cards with cashback from Sberbank at the bottom of the article. If you need answers to your questions regarding "plastic" from this lending institution - immediately use the table of contents. There are a lot of useful things.

This bank needs no introduction

Where the "plastic" was opened, go there. Have you heard that this joke, or the bitter truth of life, is no longer relevant?

Yes, yes, if there are problems with plastic, you will no longer be sent to hell.

And if you had to open a card with a cashback from Sberbank in Kolpino, and now you live in Sochi, then there will be no problems.

Hurray, comrades!

There is another story related to our today's “friend”.

So, the armies of the Internet claim that the bank does not give up deposits until 1991, referring to another legal entity.

This is not true, comrades!

Sberbank pays compensation, and information about this can be found directly on its website.

So don't trust everything you see on the net.

Unless this is my blog.

Keep your money in a savings bank!

After all, it is reliable.

50% + 1 share belongs to the Central Bank, so it is unlikely that something will happen to Sberbank.

And if something so extraordinary happens, then I think you will no longer need rubles.

Is it reliable? Without a doubt! But is it profitable? If banks on deposits are now offering 5.5-6.5%, then "Green" will give only 2-3%.

Cashback will have the same "benefit", but we will analyze this later.

Thanks! - "Do not"

"Thank you from Sberbank!" - and everyone probably heard this phrase. This program represents the system of any card from Sberbank with a cashback.

For purchases, bonuses are awarded, which can then be spent with partners, having paid almost the entire cost of the purchase - most often you only need to pay 1 ruble in addition.

If, of course, there are enough bonuses.

Program page - https://spasibosberbank.ru

Partners page - https://spasibosberbank.ru/partners/

What can you spend on?

If you go to the website at the link above, dedicated to the cashback program from Sberbank, you can get acquainted with the partners. In addition to ordinary shops, catering, online stores, you can pay with points for various excursions, trips, experiences, and also exchange them for coupons and gift certificates.

The latter interested me, because, comparing their cost, it is easiest to calculate whether a cashback is profitable there or not.

Let's play Sherlock again.

Adult games?

With the very first offer, it becomes clear who Sberbank is counting on with its cards with cashback.

As I understand it, something like an internal currency, which you can use to buy stickers, gifts, 5+ and so on.

My knowledge about Odnoklassniki is much poorer than about cashback, so I will round off.

Of the popular coupons, one can single out "M.Video": a certificate for their 1000 rubles will still cost 1000 "Thank you".

Or a thousand thanks - in my opinion, it sounds much better.

IMPORTANT! About getting interest "back" in "M.Video".

Cooperation

Sberbank cooperates with two major coupon sites: and KupiKupon. Here are the same coupons as on the main sites, only they can be taken for points.

• Savings in figures show decent - up to 70-90%, but since these are coupons, the rules must be read carefully.
• Often a surcharge is required, or the conditions are written very cleverly and the discount does not apply to most services.

Well, here you yourself will figure it out.

How do I buy a coupon for points?

• This often raises questions, so I decided to write you instructions for use.
• It looks a little scary, but in fact, nothing is complicated.
• You will try a couple of times, and then you will lower all the cashback there.

I note right away that the company through which you take the coupon ("Biglion" or "BuyCoupon") does not matter. The instruction will match.

So let's get started.

1. Go to the site of the "Thank you" program from Sberbank;
2. Then choose what kind of coupon you want - from Sberbank or third-party companies;
3. Choose the coupon itself, its options if available;
4. Click "Buy";
5. In the window that appears, enter your email and tick the box that you agree with the rules;
6. Enter the number and other data of your "plate";
7. Choose exactly how many bonuses you will spend;
8. You pay;
9. Go to the mail (e-mail) and see the sent coupon.

Yes, it looks scary, but in reality it is not.

It is worth noting that coupons from "Green" need to be paid only with "thank you", but from partners - as you want: at least the entire cost (except one ruble), at least one "thank you" spend.

Online Stores

• In them, you can also pay with these "thank you", but, of course, not in all.
• Therefore, we leave the "Online Market" section and go to the "Online Stores", here we see where you can buy profitably.

Moreover, the order is made only on the store's website, and here it is just an introductory list and conditions of use.

For example, let's take an online equipment store - Technopark. He knows how to both calculate bonuses and withdraw them.

It would seem that the difference in percentage is 2 times (0.5 and 1%), and the savings are three times.

Here it is - the magic of cashback, which I want to teach you. So get out your scissors, cut this "devil" and out the window! What? Can't, because the card is a salary?

Gather all your will in a fist and tell the accounting department that according to the law you can receive your money on any card of any bank!

Defend your rights!

What kind of discrimination?

If you obeyed me and cut this "miracle", then you are great, and I am a little shocked.

But I am glad that you trust me so!

If "it" is still intact, then I won't blame you, but I will ask you to do something: look what type you have.

Hopefully not Momentum or Electron.

Why are they bad?

Because with these cards, only the first 20 thousand rubles spent are paid back.

That is, you will want, say, to buy an iPhone for yourself, and even from one of it you will not get the full interest back. ...

But these cards from "Sberbank" with a mini-cashback have cheap or free service most often - so choose.

Now let's calculate what the owners of these "records" can count on, for this you just need to find 0.5% of 20 thousand.

After all, all newbies start with a return rate of 0.5% on any purchases without various higher categories.

And what do we get?

• 100 points?
• I double-checked it several times, as I could not believe this nonsense.
• But it turned out to be true. The maximum per year that owners can earn is 1200 points.

It's good that these "thank you" live for 3 years (with active use), during this time you can save 3600 and have a good boo.

Let's say you are very unlucky and you have two such "records".

Do you think you will be allowed to collect 200 bonuses per month if there are two of them?

Nifiga like that!

I hope you understand my main point: they themselves play absolutely no role (well, except for "Momentum" and "Electron"), it's all about the program itself and its levels... What is cashback on a Sberbank bank card? Ladies ANSWER in simple words: This is the "Thank you" program. But purely my opinion is some kind of rascal, if in simple words.

Reviews

There are a lot of reviews on cards with cashback with the "Thank you" program from Sberbank.

Well, still, the green bank is the most common.

I will say more, a lot of positive reviews!

And this is a very good indicator for a banking product. Not even so - very, very good.

I was shocked. Maybe I misunderstood something in their program?

People give 5 stars in reviews for the fact that it is convenient for them to pay with a plastic debit, and not in cash, and then a penny of cashback from Sberbank is falling - the one that protects the ruble.

And she does not save my nerves!

• Another lady writes that everything is simple and clear with this program, otherwise other banks have ANY LIMITS.
• She was lucky, of course, that it wasn't Momentum or Electron in her pocket.
• But how superficially to treat your money, so as not to study the topic so much!

How can these people turn on logic?

• No, if people are happy, I am happy for them.
• But they can be much more happy if at least a couple of my posts read about it.

There are also adequate reviews that draw parallels with other options for "plastic", compare the conditions.

And then, for example, they say: “But the Home card is not convenient for me, so I still use a green financial institution, although it’s not profitable ...»

Well, this is everyone's choice, the main thing is that they do not realize it.

So, friends.

Now let's talk in detail about cards from Sberbank with cashback. They are both debit and credit. Separately, below, I wrote the best option for you, in my opinion. In general, read it, I attached a link to the official page right there.

Cashback from Sberbank-Premier

I did find one "little thing" that seems to be adequate here, and knows how to charge a large return, as if she was a prisoner from another bank.

What are we being promised?

Only here is one BUT: the minimum spending for crediting "interest back" is 80 thousand rubles a month. P-f-f. And it will also cost 2.5k per month, if you do not store more than 2.5 million in "our green friend"!

But I hope you have found a more comfortable and profitable place for that kind of money.

Credit cards with "Thank you" cashback

Let's list the popular credit cards from Sberbank so that you know what's in vogue now.

"Gold-classic"

Plastic page - https://www.sberbank.ru/ru/person/bank_cards

There is some kind of cashback from Sberbank.

By itself, the "Golden Card" is "Visa" and "Mastercard".

Features of this little thing:

• Use bank money for 50 days and do not pay interest
• up to RUB 600,000 credit limit
• 0 ₽ service for those to whom it has been approved

Now to how cashback is credited here in the form of "Thank you".

Bonuses THANKS from Sberbank for purchases:

• up to 10% of the purchase amount - if "Visa"
• up to 0.5% of the purchase amount - if "Mastercard"

Bonuses THANKS for purchases from partners:

• up to 20% of the purchase amount - if "Visa"
• up to 20% of the purchase amount - if "Mastercard"

Let's make some small conclusions.

For some reason, the Sberbank gold card with cashback is carrying out a strange gradation of two different payment systems. It is not entirely clear where this discrimination comes from, but we have what we have. Count on the "Visa", of course, it is more profitable. A plus are partners, where there are pleasant shops - hence the savings will be interesting.

"Classic Aeroflot card"

Checkout page - https://www.sberbank.ru/ru/person/bank_cards/credit/cardcreditform/aeroflot

As you can imagine, this cashback card from Sberbank is dedicated to travel. There are already many who implement such an option as “miles”, I don’t remember exactly, but it seems like Oleg Tinkoff with his All Airlines was the first. So, let's see.

Peculiarities -

• Fly more often! Earn Aeroflot miles for every plastic purchase and save on flights
• Up to 50 days without interest! Use the money on it for free during the grace period
• Up to 600,000 ₽ - credit limit! As part of a personal offer to clients

Now on the return of "buns".

• Apply for a Visa Classic Aeroflot and receive 500 welcome miles.
• Pay with plastic and get miles to your account in the Aeroflot Bonus program! 1 mile for every 60 ₽ / 1 $ / 1 € spent.
• Redeem miles for Aeroflot and SkyTeam flights, upgrade your service class and buy goods and services from program partners. And also take part in the charity project "Miles of Mercy".

Aeroflot Gold Card

How to collect and use miles:

• Apply for Visa Gold Aeroflot and get 1000 welcome miles
• Pay and earn miles to your account in the Aeroflot Bonus program. 1.5 miles for every 60 rubles spent, 1 $, 1 €.

Aeroflot Signature Card

More- https://www.sberbank.ru/ru/person/bank_cards/credit/cardcreditform/aeroflot_signature

Peculiarities -

• Up to 3,000,000 - credit limit as part of a personal offer to clients
• Premium service - a personal manager at your service

How to collect and use miles:

• Apply for a Visa Signature Aeroflot and get 1,000 Aeroflot Bonus welcome miles
• Pay for purchases with a Visa Signature Aeroflot plate from Sberbank. 2 miles for every 60 ₽ spent.
• Redeem miles for Aeroflot and SkyTeam flights, upgrade your service class and buy goods and services from program partners. And also take part in the charity project "Miles of Mercy".

And that's not all! Once a "Signature" class card - additional offers for travelers are available to you!

List of privileges:

• Unlimited Internet in roaming "Beeline" and MTS - 14 days of unlimited and free Internet in roaming per year
• Up to 35% discount on car rental with Avis
• Up to 12% discount on hotels with Agoda
• 20% discount on airport transfers with Gett and Wheely
• Free baggage packing with PACK & FLY
• Compensair up to € 600 compensation for flight delays / cancellations with Compensair

Credit card Visa Classic "Give life"

Peculiarities -

• 900 rudders - service per year
• Contactless payment for purchases
• 50% of the cost of the first year of service goes to the fund
• 0.3% from each purchase goes to the fund
• Credit limit up to 600,000 rubles as part of a personal offer to customers + up to 300,000 rubles as part of a mass offer

Debit cards with cashback from Sberbank

"Gold card"

Page- https://www.sberbank.ru/ru/person/bank_cards/debit/gold-card

ATTENTION! Up to 5% of the purchase price is returned with THANKS bonuses when paying with this "plate" in cafes, restaurants, supermarkets.

Peculiarities -

• Up to 5% of the purchase amount is returned with bonuses THANKS
• 1,500 rubles - service per year. Second and further: 3,000 ₽

Cashback on the "plate" Visa-Gold from Sberbank is not very large here. Again, look in the direction of partners, links to them are in the article.

The main treats are the following:

• Bonuses THANKS: up to 5% from the institution, up to 20% from partners

"Card with big bonuses", or Sberbank-Platinum with cashback

Great stuff, my friend uses it. He spends a lot, so he runs a lot of "thanks" to the gas station - he NOTHING AT ALL does not pay to refuel his Honda!

Well, that is, the conditional 1 ruble.

IMPORTANT! Sberbank gives here a cashback of 10 percent when paying at gas stations, as well as in Gett and Yandex.Taxi. Supermarkets - 0.5%, cafes and restaurants up to 5%.

Peculiarities -

• up to 10% of the purchase amount is returned with bonuses THANKS
• 4 900 rubles - service per year
• ONLY VISA SYSTEM

Nice gifts for holders:

• Bonuses THANKS: up to 10% from "Green", up to 20% from partners

As a small result, cashback in this case is not bad on the card "With big bonuses" from Sberbank. It is a pity that the price of the service is too high, but for anyone how. That wouldn't suit me.

"Classic"

IMPORTANT! This piece is with the best value for money. Pay for purchases, transfer and receive transfers, save and spend bonuses THANKS.

Peculiarities -

• 150,000 rubles per day can be withdrawn from ATMs without commission
• First year of service: 750 ₽
• Second and further: 450 ₽

What does this disc give us in terms of cashback?

• Bonuses THANKS: up to 0.5% from the institution, up to 20% from partners

In this case, we look at the cashback in the form of “Thank you” from Sberbank from partners. Because half a percent is a trifle. I spoke about this more than once and was angry.

"Classic card with a design of your choice"

Cash withdrawal: RUB 150,000 at an ATM and RUB 150,000 at a branch per day without commission

"Youth card"

IMPORTANT! Special card for young people from 14 to 25 years old. Up to 10% of purchases from youth partners are returned with THANKS bonuses. You can exchange them, for example, for a bicycle for 1 ruble!

Peculiarities -

• from 14 to 25 years old especially for young people
• Up to 10% of the purchase amount is returned with bonuses THANKS
• 150 rubles - service per year
Without an annual or monthly service, this also includes "Instant" and "Digital" (debits), as well as "Credit Visa" and "Classic" (credit cards).

IMPORTANT! Receive a pension on this plate and keep your savings profitably: 3.5% per annum is accrued on the balance on it (3.5% on the balance of funds in the account to which pensions and other social payments paid by the pension authority are credited, in case of receiving the client of such payments)

Peculiarities -


• 3.5% per annum on the balance on the plate
• 0 rubles - service per year

How is this option useful for people of retirement age?

"Classic card Give life"




Page- https://www.sberbank.ru/ru/person/bank_cards/debit/classic-pg

Peculiarities -


• First year of service: 1,000 ₽. Second and further: 450 ₽

Bonuses and cashback?

• Cash withdrawal: RUB 150,000 at an ATM and RUB 150,000 at a branch per day without commission

"Golden card Give life"




Order- https://www.sberbank.ru/ru/person/bank_cards/debit/gold-pg

IMPORTANT! By paying "Give Life", you help children fight serious illnesses. Sberbank will transfer a donation to the Gift of Life fund from each of your purchases.

Peculiarities -


• 0.3% of each purchase goes to the Gift of Life fund
• VISA systems only
• First year of service: 4,000 rubles. Second and further: 3,000 ₽

What about cashback and savings?

• Bonuses THANKS: up to 5% from "Green", up to 20% from partners
• Cash withdrawal: RUB 300,000 at an ATM and RUB 300,000 at a branch per day without commission

"Give Life Platinum Card"




IMPORTANT! By paying with the Give life card, you help children fight serious illnesses. Sberbank will transfer a donation to the Gift of Life fund from each of your purchases

Peculiarities -


• VISA systems only
• First year of service: 15,000 rubles. Second and further: 10,000 ₽
• Contributions to the Gift of Life fund: 0.3%

What does this thing offer?

• Bonuses THANKS: 0.5% from "Green", up to 20% from partners
• Cash withdrawal: 500,000 rubles at an ATM and 500,000 rubles at a branch per day without commission

"Instant card"




Order- https://www.sberbank.ru/ru/person/bank_cards/debit/card-momentum

IMPORTANT! Free card to pay for purchases, including on the Internet. Issued within 10 minutes at a bank branch

I decided to show you the branches of the bank through Yandex.

Peculiarities -


• 10 minutes for registration at the department
• 0 rubles - service per year

How is it useful?

• Bonuses THANKS: up to 0.5% from "Green", up to 20% from partners
• Cash withdrawal: 50,000 rubles at an ATM and 50,000 rubles at a branch per day without commission

Premium package cards from Sberbank




• When paying in cafes and restaurants - 10% cashback
• When paying in supermarkets - 5% cashback
• For other purchases we charge 0.5%
• Increased bonuses are credited without restrictions for purchases in the amount of at least 150,000 rubles per month
• The cost of the annual service for the card is 0 rubles when registering the Sberbank First service package

1 bonus THANKS = 1 ruble

Exchange THANKS bonuses for discounts up to 99% with the partners of the "Thank you from Sberbank" program

Open the Sberbank First service package and get not only bonuses, but also exclusive services!




Increased deposit rates




Preferential exchange rates




Lounge access for you and your companions




Travel insurance for the whole family

IMPORTANT! You will also receive a personal financial advisor!

Terms of use for the "Sberbank First" service package:


• Free - first 2 months
• Always - if you keep on cards, deposits, accounts, investment and insurance products "Green" from 15 million rubles / 10 million rubles
• 10,000 rubles - from the third month, if your deposits, accounts, investment and insurance products of "Green" are less than 15 million rubles / 10 million rubles

Here is a "record" for VERY wealthy citizens.

In general, if you are from this category - the link is above, you will read everything and you will be able to place an order. The rich have their own lives!)

My thoughts

We can say that Sberbank's Golden Card is trying to be profitable, but let's not forget about its main cashback for all purchases. And the very system of calculating the return of bonuses.

Yes, it’s not so hot either, because of this they don’t move to Belarus.

But what kind of injustice?

In general, as for me, the cashback at Sberbank is "so-so".

Cashback is a convenient way to save personal funds. This tool is based on the principle of returning the money spent back to the account. Translated from English, the word "cash back" means a refund. One of the largest banks in Russia also has this convenient tool for saving finances. Moreover, cashback in Sberbank has been present since 2011.

Many users do not know about the Sberbank loyalty program, which is called "Thank you". Through this program, you can get cashback from Sberbank. The most surprising thing is that some holders of a plastic product from Sberbank do not even suspect that the bank has such a service.

Sberbank cashback is turned on to start accruing interest on the amount of expenses. If you do not enable this function, you will not be able to receive cashback. It only takes a few minutes to enable the service. After activating the “Thank you” loyalty program, a bonus account will be automatically opened in the name of the client. Moreover, this account is not tied to the card, but to user data. If it is necessary to use bonuses, they are calculated with any Sberbank card.

Thank you from Sberbank allows you to accumulate points not only for debit cards, but also for credit cards. Many people have a question about the possibility of withdrawing cashback in the form of cash. Despite the fact that 1 point is equal to 1 ruble, it is impossible to exchange them for money. The conditions of this program are such that when carrying out operations on the card, points are awarded. These points are accumulated in any amount and then spent on various services or purchases of goods. Bonuses can only be settled by providing a debit or credit card from Sberbank.

The principle of this program is to increase the number of clients. Bank cards, to which the loyalty program is connected, bring profits to their owners. Moreover, this profit depends on the amount of money spent from the card. When cashing out funds through an ATM, bonuses will not be credited.

It is interesting! Many banks have similar bonus programs that enable customers to save money and banks to attract a large number of users.

Features of connecting cashback

How to connect cashback to a Sberbank card, you need to consider in more detail. This is done so that each client has the opportunity to independently connect to the loyalty program. Before joining the loyalty program, you need to remember some information:

• Get at least one payment or debit card from Sberbank. After that, turn on the service through an ATM, Sberbank Online or Mobile Banking.

• Cashback will not be credited for such types of banking products as corporate cards, as well as all types of co-branded plastics. These are cards that automatically imply the accrual of bonuses for other loyalty programs.
• Points will be credited to the bonus account, which are calculated at the rate of 0.5% of the amount of the payment. For the interest rate to rise, which is also possible, you need to pay for purchases and services in partner organizations of Sberbank.

It is interesting! Cashback will be constantly credited to Sberbank cards when making payments with plastic. If the amount of bonuses per month exceeds 20,000 rubles, then points will automatically cease to be accrued. This is the upper limit.

If the bonuses are not used within three years, they will be automatically canceled. Bonuses are used regularly, or they can be withdrawn monthly. Points can be used to pay up to 99% of the value of the goods. In any case, in order to purchase a product, you will need to have money on the main balance.

Basic rules of the loyalty program

If you make purchases in a shopping center, where 0.5% of the purchase amount is credited to the bonus account, then you should pay attention to such organizations that are partners of Sberbank. If you buy goods or receive services from partner organizations, the interest rate will start at 10 percent. To find out who is a partner of Sberbank, you will need to familiarize yourself with the full list on the official website.

What is Sberbank cashback and how it works is already known. Points are credited automatically within 5 days after payment is made. If the purchase amount exceeds 40,000 rubles, then points can be accrued within 40 days. By connecting to the loyalty program through your personal account, in this service you can also control and track the balance of bonuses.

It is interesting! When issuing a Sberbank card, a bank employee can offer a connection to the service. You can clarify all the subtleties and nuances from him, as well as agree to the inclusion of the action.

Many refuse to connect the action, although it does not commit to anything. The user receives bonuses that can be used for various products. Bonuses are not credited if payment for a product or service is made with points, as well as if a wire transfer is made between bank cards.

Pros and cons of the bonus program

From all of the above, the opinion arises that the program works at a loss for the bank. However, it is not. The main advantages of the bonus program are:

1. A decent percentage of cashback.
2. Availability of additional discounts and promotions from partner organizations.
3. Convenient remote control system.
4. Ease of obtaining a card.
5. Ease of service connection.
6. Bank credibility.

Despite all the advantages, it is worth highlighting some of the disadvantages that were identified by users:

1. Paid service for cards with cashback.
2. The presence of a limit on the size of the monthly charge.
3. Low interest rate if the purchase is not made in partner organizations.
4. Inability to cash out bonuses.
5. Many partners are not always informed about their participation in the promotion.
6. The presence of negative reviews about the functioning of a banking institution.

Detailed characteristics of service connection

Despite the recommendations of banks that describe the peculiarities of connecting the “Thank you” loyalty program, many clients still come to the branch with questions about how to connect cashback? In order not to leave your home and activate the service for your banking product, you need to do the following:

1. Log in to your personal account by authorization. This service has a tab such as "Thank you from Sberbank."
2. Select this option, and then specify additional information such as mobile number, e-mail address.
3. The operation is confirmed by entering a one-time code received on the phone.

Everything is very clear, and if you have any questions, you can always contact the call center operator or online assistant.

Let's consider the features of connecting the service via a cell phone. If the "Mobile Banking" service is activated, then the service activation procedure is carried out in the following way:

1. An SMS message is generated on the phone.
2. The text of the message should contain the following words: Thank you and the last 4 digits of the plastic number.
3. Sending a message to number 900. This number is not free, which should be taken into account.
4. In response, a response SMS is received, which informs about the successful connection of the service.

After connecting the service, another account will appear in Sberbank Online, which will be called the "Bonus account".

The easiest way to activate the service is to go to the nearest ATM, and then perform the following manipulations:

1. Insert card and enter PIN.
2. Select "Information and services" from the menu.
3. Then the item "Bonus program" is selected.
4. The mobile number is indicated.
5. The action is confirmed.

In 2018, some of the rules for using the “Thank you” loyalty program may change. In any case, for those looking to save money, the loyalty program is the best option. If you got involved with Sberbank, then study the list of bank partners in order to be able to collect bonuses in large volumes.