What is the validity period of bonus rubles?

The validity period of bonus rubles is 12 months from the accrual date (i.e. bonus rubles that the client has not used within 12 consecutive months after accrual expire).

The remaining balance of bonus rubles in the account is reset in full if there have been neither accrual nor debit transactions on the bonus account for 6 consecutive months. 

If the overdue period on any credit products exceeds 30 days, the bonus ruble balance is reset in full. Accrual of bonus rubles will be resumed only in the month following the month of full repayment of the overdue debt.