Premium Payback SMS Frequently Asked Questions (FAQs)
Q. What is Premium Payback SMS?
A: Premium Payback SMS allows you to use your points on everyday spend. Simply use your card as you normally do and be surprised and delighted when an offer is presented to pay with points on your most recent transaction.
Q. When will I receive an offer?
A: Premium Payback SMS has a powerful engine that evaluates the best value offer we can provide based on the transaction amount and the number of points in your account. We will provide you the best value for your points straight to your phone and email, while taking the guesswork out of redeeming your points.
Q: Are there specific merchants I need to shop at to be eligible for an offer?
A: Premium Payback SMS is eligible at the top retailers in the country as well as small businesses. We have got you covered for where you shop most.
Q: I received an offer, but I ignored it, can I still redeem?
A: In the email or SMS is a date of expiration. You have 48 hours from the time the offer was presented to redeem the offer. If you have missed this opportunity, no worries, you can sign into your Financial Institution’s loyalty account and manually redeem points.
Q: Can I opt out of SMS offers?
A: Yes, at any time you reply “STOP” to the messages to opt-out of receiving any more Premium Payback SMS offers. You will continue to receive email offers even after opting out of SMS offers. You must have an email address tied to Premium Payback SMS in order to receive offers.
Q: Can I opt out of email offers and only receive SMS offers?
A: No, you must have an email address tied to Premium Payback SMS. To stop receiving emails, you must unenroll from Premium Payback SMS.
Q: How do I unenroll from Premium Payback SMS?
A: In order to unenroll from Premium Payback SMS, please select the link within the email.
Q: Will opting out of Premium Payback SMS opt me out of all loyalty communications?
A: No, Premium Payback SMS is a separate redemption option that you can opt in and out of. You will still receive communications from your Financial Institution’s loyalty program.
Q: When will I see my points redeemed?
A: You will see your points pending on your account immediately and they will be taken out of your account within 2-3 business days from the date of the transaction. You will see your points redeemed on your next billing statement, which will be sent based on your issuer’s billing cycle.
Q: I received an offer but didn’t redeem and when I checked my loyalty account, my available balance shows those points taken out of my available current balance?
A: In order to provide you an offer we had to lock your points for 48 hours in order to give you enough time to redeem your points. Your points will be released back to your account on the date listed on your offer