Give cardholders a reason to come back.
And to reach for your card.
An optional module for cardoff.ai. Stamp cards, challenges, levels, spins and draws that your bank schedules, funds alone or with its merchants, and keeps inside the budgets and caps it sets. Every instant win and draw is recorded so it can be checked.
Habits, top of wallet, and prizes merchants help pay for.
Offers give cardholders a reason to buy. Games give them a reason to come back, to reach for your card and to keep going. Here is how that works, and what your team can measure.
Stamp cards, streaks and levels reward every return visit, not a single one. Progress a cardholder can see is a reason to open your app again.
Stamps, entries and chances are earned with your card. When the next reward depends on the card used, yours is the one they reach for.
A merchant can fund a programme in full or share the cost with your bank from its prepaid merchant account, and appears as its sponsor. Your own rewards budget goes further.
- Cardholders taking part, and how many come back
- Purchases at partner outlets during the programme
- Spend of those taking part against a similar group that did not
- Prizes paid against the budget, day by day
- For a funding merchant: new customers and the cost of each
No promised results: what a programme changes depends on your cardholders and your rewards. The console shows the results as they come in, and holds back any figure about too few people.
Pick the games that suit your cardholders.
Each one is a programme your bank switches on, schedules and funds. Run one, or several side by side.
Every eligible card purchase is a chance to get it refunded in full.
Moves everyday spend onto your card: every purchase could be the lucky one.
A spin or a scratch card after a redemption or a qualifying purchase.
A moment of delight right after using an offer brings people back.
Goals like 5 coffees this month or dining out 3 weekends in a row.
Builds habits at the categories and merchants you want to grow.
A digital loyalty card per merchant: the 5th coffee is on us.
Familiar, simple and loved by cafés and quick-service merchants.
Multi-step quests for Ramadan, summer travel or National Day.
Turns a season's spend into a story your cardholders follow to the end.
Explorer, Insider, Connoisseur: levels from activity, with perks.
Gives every cardholder a reason to come back and climb.
Opt-in boards by nickname, for a city, everyone or friends.
A little friendly competition keeps a challenge alive.
Predict match or race results; correct picks enter a draw.
Rides on the events your cardholders already care about.
Entries for every amount spent at partners; weekly and grand prizes.
A big prize with a clear rule draws spend to your partners.
Games of chance are run under the permit your bank holds where one is required, follow the rules your bank sets for its country, and are never shown to cardholders your bank marks as under age.
One Rewards & games hub, on your site and in your app.
Cardholders join when they choose, follow their progress and wins, and play where your brand already is.
The hub sits in your bank's own site and app, in your look and in both languages.
Stamps, streaks, levels, chances waiting to be played and every prize won, with where it stands.
Cardholders choose to appear, by nickname only. No name, card or amount is ever shown, and a board waits until enough people have joined.
A merchant-funded programme shows Presented by and the merchant's name, marked Sponsored, so cardholders always know who is behind it.
Your bank decides what runs when.
Every programme sits on one calendar. Set the start and the end, the days and the hours, and whether it repeats. Clashes show before anything goes live.
- Start and end dates, days of the week and hours of the day
- A single run, or a window that repeats weekly or monthly
- Who can take part: card products and tiers, networks, merchants, categories, online or in store, and a minimum spend
- A total budget, caps per person per day and per month, and the most one prize can be worth
- Clashes highlighted, such as two games of chance for the same cardholders on the same days
Merchants can pay for the prizes.
Any programme can be funded by a merchant in full, or shared with your bank. The money comes from the merchant's prepaid account, the same one it uses for funded offers.
- ProposedYour bank proposes a programme to a merchant, or a merchant asks your bank for one.
- AcceptedThe merchant reads the terms and accepts in its own console. Nothing is reserved before that.
- FundedThe merchant's budget is reserved from its prepaid merchant account: the whole cost, or its share when co-funded.
- Drawn down as prizes are paidEach prize paid takes the merchant's share from what was reserved, with the platform fee shown before it accepts.
- Pauses when the money runs outWhen the reserve runs out, the programme pauses itself. A top-up lets it carry on; at the end, anything unused is released.
- ResultsThe merchant sees who took part, purchases at its outlets and the cost per new customer.
Every win can be checked.
Instant wins and draws use a random draw that is fixed before it happens and shown after. Budgets and caps keep every programme inside what your bank set.
A total budget, caps per person per day, per month and in all, the most one prize can be worth, and a stock for each prize.
Games of chance are never shown to cardholders your bank marks as under age.
Where a game of chance needs a permit, your bank records its reference and date before the programme can go live.
Each instant win, spin, reward and draw is logged with the odds in force, so your team can answer any question about it.
- 1Commitment publishedBefore entries close, a fingerprint of the secret seed is published.
- 2Entries recordedThe entries are taken as a recorded snapshot.
- 3Winners drawnWinners are chosen from that snapshot with the secret seed.
- 4Seed revealedThe seed is shown afterwards, so anyone can check that it matches the fingerprint and gives the same winners.
Rules on prize promotions differ by country. Each bank confirms what applies to it with its own adviser; cardoff.ai records the permit your bank holds and keeps games of chance off until it is in place.
Hyduri suggests what to run next.
Hyduri reads your bank's own data and suggests the next programme, with its reasons. A person at your bank always decides.
Which game, for which cardholders and merchants, and when, from what your data shows.
A draft of the programme's terms in English and Arabic, for your team to check and change.
A programme goes live only when a person at your bank launches it.
Suggestions are ideas with their evidence, not results. Your team chooses what to run.
Start with Gamification. Add Pro when you are ready.
Two modules in cardoff.ai's catalogue. The games in each can be switched on per plan, and for one bank.
The everyday games that build habits.
- Stamp cards
- Challenges and streaks
- Levels and badges
Games of chance, seasons and friendly competition.
- Win your spend back
- Spin the wheel or scratch a card
- Seasonal missions
- Leaderboards
- Predict and win
- Spend-and-win draws
cardoff.ai can switch each game on or off for a plan, or for one bank. Prizes are paid from the budgets your bank and its merchants set, on top of the module.
