Customer User Guide

Earning SVC

Merchant Reward Thresholds

Understand how merchants turn spend into unlocks.

1 min read

Merchants can define threshold rules such as spend milestones, category-specific triggers, or campaign windows. Once your activity meets those rules, reward value can be released.

Spending and budget overview showing spending score, budget progress, trends, and points earned
Track spending habits, budget progress, and reward points earned across merchants
1

Spend accumulates against a merchant rule

Your eligible purchases are counted toward that merchant's configured threshold.

2

Progress becomes visible in the wallet

SpenVest shows how close you are to unlocking the next value milestone.

3

Value is released when conditions are met

The merchant's configured reward type determines what is issued.

Customer User Guide