Programme Breakdowns

Deep-dive analyses of Africa's biggest loyalty and rewards programmes. The data, the mechanics, and the strategic questions each one raises.

South Africa · Pharmacy Retail

Dis-Chem retired a 23-year loyalty programme with 9 million members. In 17 weeks, the replacement doubled their growth rate.

R410M returned to customers. 550K new shoppers. 13.7% pharmacy revenue growth. The mechanics, the hidden pharmacy play, and what most analysts missed.

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South Africa · Pharmacy and Health Retail

82.6% of Clicks' sales come from ClubCard members. 12.6 million active members. R7.5 billion in cashback over 30 years.

The partner flywheel. The life-stage clubs. The shift to monthly cashback. And three questions every pharmacy loyalty team should answer.

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South Africa · Grocery Retail

33.7 million members. 88% of turnover. R9.7 billion in discounts in 6 months.

Shoprite Xtra Savings is the largest loyalty programme in South African grocery. The data strategy behind the numbers and what it means for FMCG brands.

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South Africa · Grocery Retail

Pick n Pay Smart Shopper. 10 million members. A programme in transition. What the FNB partnership changes.

The original grocery loyalty card. 600K new customers in H1 FY2026. The turnaround strategy. And what the closer FNB tie-up means for the programme's future.

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South Africa · Insurance and Financial Services

Discovery turned a wellness programme into a R179 billion company. 49 million lives. R2.4 billion in shared-value payouts in one year.

The shared-value model. The actuarial loop. The Google AI partnership. And three questions every insurer rewards team should answer.

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South Africa · Banking

FNB eBucks has paid out over R24 billion. But partner losses, tier downgrades, and customer backlash tell a different story.

The most generous banking rewards programme in Africa. The structural tension between generosity and margin. And what the 2025 changes reveal.

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South Africa · Fashion Retail

TFG Rewards: 39.9 million members. 82.2% of sales. Best Use of Technology Worldwide. But the real threat is not from fashion.

The personalisation engine. The Pepkor ecosystem play. Pep Bank. And three questions for any fashion retailer running loyalty while a competitor builds a closed-loop platform.

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South Africa · Telecoms

VodaBucks won Best Telco Loyalty Programme two years running. Vodacom lost 5.7 million prepaid customers in the same period.

27 million users in Year 1. 14 million active today. The gamification, the weekly banking trap, and three questions for any telco running rewards alongside declining subscribers.

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Kenya · Telecoms

50 million subscribers. KSh 4.5 billion in unredeemed points. A court ruling that changed the rules. Now what?

The largest telco loyalty programme in East Africa. The M-Pesa integration opportunity still sitting on the table. And three questions every telco loyalty team should answer.

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Nigeria · Telecoms

87.3 million subscribers. N290 million in prizes. A lucky draw disguised as loyalty. And a 29% churn rate.

MTN Nigeria's Mega Billion Promo. The prize mechanic. The retention gap. And three questions for any telco still running chance-based promotions.

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Southern Africa · Building Materials Retail

Cashbuild has 322 stores, R11.5 billion in revenue, and no loyalty programme. What would change if they knew every customer by name?

A three-layer rewards model using supplier-funded discounts, banking partnerships, and lifestyle rewards. Applied to building materials retail.

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Pan-Africa · Insurance

SanlamAllianz: 26 countries, R32.8 billion in premiums, and a retention problem that rewards can solve.

A four-layer rewards model for policyholder retention, agent activation, and partner amplification across Africa's largest insurer.

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Tanzania · Fintech

Selcom bought a bank, made onboarding take 5 minutes with a fingerprint, and built a rewards engine into every transaction.

24 years of infrastructure. 100K+ merchants. $1.5B+ in annual transactions. Qwikrewards with Mastercard. And three questions about the rewards strategy still missing.

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