The current loyalty program provides extremely limited practical value and, in its present form, does not function as a meaningful incentive for continued use.
The effective cashback rate is below 0.5%, which is negligible when compared against real-world factors such as currency conversion spreads, payment processing fees, and the inherent markup in digital gift card pricing. In practice, any perceived benefit from the loyalty system is entirely offset — and often exceeded — by these hidden costs.
Even when accounting for the loyalty tier multiplier (e.g., 125% and above), the actual gain remains marginal. The increase translates into only a few additional cents per transaction, which is functionally indistinguishable from no reward at all. From a user perspective, this fails to create any tangible sense of progression, retention value, or reward for continued engagement.
In contrast, standard alternatives — such as direct payment methods or competing platforms — frequently offer better effective rates, either through more favorable exchange conditions, credit card rewards (commonly 1–2% or higher), or periodic promotions that significantly outperform the current loyalty structure.
Because of this imbalance, rational users who evaluate total cost efficiency will naturally gravitate toward those alternatives. Over time, this undermines the intended purpose of a loyalty program, which should be to retain users through clear and measurable benefits.
To function as a true loyalty system, the program would require structural improvements. These could include:
- A meaningful increase in baseline cashback rates
- Tier benefits that produce noticeable differences in real spending outcomes
- Exclusive offers or discounts that cannot be replicated through standard purchasing channels
Without such changes, the current implementation risks being perceived not as a loyalty program, but merely as a symbolic feature — one that exists in form but not in substance.
In its current state, the program does not meaningfully influence purchasing decisions.
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