Let us show you how you can grow spend,
and why.
Put in your portfolio and see the business case build itself: the extra card spend, what it earns you, what the discounts cost and who pays for them, how many cards stay, and why your card becomes the one they reach for.
Sample case: Mid-size GCC bank. Estimates from the calculator below; change any number.
Your portfolio,
your numbers.
Move a slider or type a number and everything updates at once. Tap the info icon beside any result to see exactly how it is calculated.
Your portfolio
+8.3% on BHD 856.8M of card spend today How this is calculatedExtra spend ÷ today's card spend. Today: 170,000 active cards × BHD 420 × 12 = BHD 856.8M.
Estimates from your inputs and the assumptions shown, for a full year once offers are live. Not a forecast or a quote; your account manager can refine them with your own data.
Where the growth
comes from.
Hover or tap any bar or point for its value. Every chart follows the calculator.
Card spend a year: today vs with cardoff.ai
Extra spend by driver
- Offers: 51,000 participating cards (30% of 170,000 active) × BHD 420 × 12 × 12% more spend.
- Focused categories: participants' spend in each weak category × 25% lift from targeted offers.
- Top of mind: participants move 5% of their spend from other cards to yours.
- Loyalty: 1,913 cards kept a year × BHD 420 × 12.
Extra card spend, cumulative over 36 months
Participation ramps up over 6 monthsExtra spend by year
Kept cards add up year after year. Net to the bank over three years: BHD 1.9M.
Focused offers on weak categories
Three reasons
banks run offers.
Offers are not a cost line. Done well, they are how a card earns more of every wallet and keeps it.
Spend grows
A good offer gives a reason to pay with your card today, and focused offers bring back the categories where your card is weak. Every extra transaction earns interchange.
Cardholders stay
Savings people use every month are a reason not to close the card or let it go dormant. Fewer cards leave, and each one kept keeps its spend.
Your card comes first
Most people carry more than one card. The one with an offer at this shop, right now, is the one they reach for, and the habit sticks for everyday spend too.
Why cardholders choose
the card with offers.
At the till, the choice between cards takes a second. Offers make that second go your way.
A reason at the till
A saving they can see beats a generic card they could use.
Reminded at the right moment
A timely push near the merchant puts your card in their hand.
Offers that fit them
Targeted by what they already buy, so offers feel useful, not like noise.
A habit that stays
Once your card is the default for coffee, it becomes the default for more.
Lift the categories
where your card is weak.
Your spend data shows where cardholders use another card. We bring merchants in exactly those categories, and offers go to the cardholders most likely to switch.
Merchants fund 90% of the discounts in this case: they pay for customers who spend, so the bank grows spend without carrying the full cost.
From spend data
to spend growth.
Find the gaps
See the categories and segments where your card loses share.
Bring the merchants
Merchants join, sign and fund offers in those categories.
Reach the right cardholders
Targeted offers in your app, with a push at the right moment.
Measure the uplift
Redemptions, spend and retention, live, so the case proves itself.
Let's make it your numbers.
Your case shows BHD 71.3M of extra card spend a year. In a walkthrough we check it against your own portfolio and show how you get there.