Every user begins at the Junior level regardless of the current point balance. Your level is determined based on how many points you collect or how much you spend.
The number of points collected will determine your level the following month.
The next level will be unlocked automatically when you hit the required points criteria. To maintain your level and not downgrade, you will need to actively spend to meet the minimum spending/points every month.
You can check which level you are currently at through the Setel App. You can also see the points needed for the next level. Bonus points can be earned from activities or events via the Setel App.