Dis-Chem Better Rewards
R410M returned in 17 weeks
Dis-Chem retired a 23-year loyalty programme. The replacement doubled their growth rate in 17 weeks. 550K new shoppers. 13.7% pharmacy revenue growth.
Read the breakdownBreakdowns
TUZO breakdowns are free, long-form analyses of Africa's largest loyalty programmes. Each covers the financial data, programme mechanics, strategic risks, and three diagnostic questions. Designed for marketing directors, loyalty managers, and commercial leads evaluating rewards strategy.
Used by marketing and loyalty teams to benchmark their own programmes.
Clicks ClubCard
82.6% of sales from members
12.6 million active members. R7.5 billion in cashback over 30 years. The partner flywheel, the life-stage clubs, and the shift to monthly cashback.
Read the breakdownPick n Pay Smart Shopper
10M members, FNB partnership
The original grocery loyalty card. 600K new customers in H1 FY2026. The turnaround strategy and what the FNB tie-up means for the programme.
Read the breakdownShoprite Xtra Savings
33.7M members, 88% of turnover
No points. No tiers. Instant discounts at the till. The subscription tier, the supplier data play, and three questions for FMCG brands.
Read the breakdownDiscovery Vitality
R179B business, 49M lives
The shared-value model. The actuarial loop. The Google AI partnership. R2.4 billion in shared-value payouts in one year.
Read the breakdownFNB eBucks
R24B paid out, structural tension
The most generous banking rewards programme in Africa. Partner losses, tier downgrades, and what the 2025 changes reveal.
Read the breakdownTFG Rewards
39.9M members, 82.2% of sales
Best Use of Technology Worldwide. The personalisation engine, the Pepkor ecosystem play, and three questions for fashion retailers.
Read the breakdownVodaBucks
27M users Year 1, 5.7M lost
Won Best Telco Loyalty two years running. Lost 5.7 million prepaid customers in the same period. The gamification, the weekly banking trap.
Read the breakdownCashbuild
322 stores, zero loyalty programme
R11.5 billion in revenue. No loyalty programme. A three-layer rewards model using supplier-funded discounts and banking partnerships.
Read the breakdownSanlamAllianz
26 countries, retention gap
R32.8 billion in premiums and a retention problem that rewards can solve. A four-layer model for policyholder retention and agent activation.
Read the breakdownSelcom
100K+ merchants, bank acquisition
24 years of infrastructure. Bought a bank. Built a rewards engine into every transaction. Qwikrewards with Mastercard.
Read the breakdownSafaricom Bonga Points
KSh 4.5B unredeemed liability
Points on the balance sheet. A court ruling. A 34% redemption surge. And KSh 20.2 trillion in M-Pesa transactions without a rewards layer.
Read the breakdownMTN Nigeria Mega Billion
N290M awarded, 0.002% won
1,500 winners out of 87.3 million subscribers. The gap between lucky draw excitement and actual behaviour change.
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Last updated: April 2026