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GLOBAL COALITION LOYALTY PROGRAMS © FINACCORD (08/2015) I TABLE OF CONTENTS 0.0 EXECUTIVE SUMMARY ............................................................................................................................... 1 Consumer-facing organisations establish partnerships with coalition loyalty programs for several reasons.............3 Coalition loyalty programs will evolve in a variety of different ways in future years….................................................3 … and at least ten organisations can be identified as likely innovators in this sector .................................................3 1.0 INTRODUCTION ............................................................................................................................................ 5 What is this report about? .................................................................................................................................. 5 Worldwide, over 2 billion consumers are likely to be members of at least one coalition loyalty scheme ...................5 Rationale............................................................................................................................................................. 5 At an international level, coalition loyalty programs have proliferated in number during recent years... ....................5 ...and make attractive affinity partners for a variety of reasons... .................................................................................5 ...with their allure having been recognised most frequently by payment card issuers ................................................5 Definitions ........................................................................................................................................................... 6 Coalition loyalty programs .............................................................................................................................. 6 A variety of different types of scheme fit the definition of a coalition loyalty program…..............................................6 … although other structures are out of scope as they are unlikely to generate loyalty...............................................6 Program currency ........................................................................................................................................... 7 Methodology ....................................................................................................................................................... 7 Finaccord’s research covers 235 leading coalition loyalty programs active across multiple locations.......................7 Interactive CoalitionBASE.................................................................................................................................. 9 Finaccord ............................................................................................................................................................ 9 2.0 GLOBAL PROGRAM OVERVIEW ............................................................................................................. 10 Introduction ....................................................................................................................................................... 10 Launch history and growth of coalition loyalty programs ............................................................................... 10 1999 and 2010 have been the busiest years for coalition loyalty program launches thus far… ..............................10 … with programs from outside of the airline and hospitality sectors having become increasingly apparent… .......11 ...although, with airline frequent flyer programs still claiming the most members overall .........................................12 The total membership of coalition programs is likely to have exceeded 2 billion for the first time during 2015 .......13 Five programs, including PINS and Plenti, have been launched since the beginning of 2014 ................................15 Total membership of coalition loyalty programs ............................................................................................. 20 The coalition schemes investigated have an average membership of almost 11.4 million ......................................20 Some of the programs with most members are also those that have been established for longest…....................21 … although a few introduced more recently are catching them up… .......................................................................21 … and Max Get More has become the largest as a result of its unique operating model ........................................21 Consumer penetration benchmarking of coalition loyalty programs ............................................................. 25 There is little apparent relationship between penetration and longevity of coalition loyalty programs .....................25 Four schemes are used by over 60% of the total adult population of the countries in which they operate…..........25 … and another five by more than 50% .......................................................................................................................25 Approaches to currency earning and redemption .......................................................................................... 31 Currency-earning partners are more numerous than currency-redemption partners in most cases… ...................31 … as many program owners prefer to focus currency redemption on their own commercial propositions… .........32 … although in a minority of cases, currency-earning and currency-redemption partners are identical ...................32 Credit cards and hospitality expenditure are the most common categories for earning currency............................33 Co-branded payment cards associated with coalition loyalty programs ....................................................... 35 Co-branded payment cards have been developed for close to three quarters of schemes analysed .....................35 For one program, co-branded payment cards are available across 24 countries.....................................................35 20 programs lacking a co-branded product allow members to earn currency via unbranded payment cards ........35 American Express, Barclays and Citigroup are the most frequently used card- issuing groups…...........................36 … albeit globally, affiliations are spread across a very wide range of card issuers ..................................................36 By number of affiliations with co- branded cards, MasterCard has a narrow lead over Visa….................................37

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© FINACCORD (08/2015) I

TABLE OF CONTENTS

0.0 EXECUTIVE SUMMARY ............................................................................................................................... 1 Consumer-facing organisations establish partnerships with coalition loyalty programs for several reasons ............. 3 Coalition loyalty programs will evolve in a variety of different ways in future years… ................................................. 3 … and at least ten organisations can be identified as likely innovators in this sector ................................................. 3

1.0 INTRODUCTION ............................................................................................................................................ 5 What is this report about? .................................................................................................................................. 5

Worldwide, over 2 billion consumers are likely to be members of at least one coalition loyalty scheme ................... 5 Rationale ............................................................................................................................................................. 5

At an international level, coalition loyalty programs have proliferated in number during recent years... .................... 5 ...and make attractive affinity partners for a variety of reasons... ................................................................................. 5 ...with their allure having been recognised most frequently by payment card issuers ................................................ 5

Definitions ........................................................................................................................................................... 6 Coalition loyalty programs .............................................................................................................................. 6

A variety of different types of scheme fit the definition of a coalition loyalty program… .............................................. 6 … although other structures are out of scope as they are unlikely to generate loyalty ............................................... 6

Program currency ........................................................................................................................................... 7

Methodology ....................................................................................................................................................... 7 Finaccord’s research covers 235 leading coalition loyalty programs active across multiple locations ....................... 7

Interactive CoalitionBASE .................................................................................................................................. 9 Finaccord ............................................................................................................................................................ 9

2.0 GLOBAL PROGRAM OVERVIEW ............................................................................................................. 10

Introduction ....................................................................................................................................................... 10 Launch history and growth of coalition loyalty programs ............................................................................... 10

1999 and 2010 have been the busiest years for coalition loyalty program launches thus far… .............................. 10 … with programs from outside of the airline and hospitality sectors having become increasingly apparent… ....... 11 ...although, with airline frequent flyer programs still claiming the most members overall ......................................... 12 The total membership of coalition programs is likely to have exceeded 2 billion for the first time during 2015 ....... 13 Five programs, including PINS and Plenti, have been launched since the beginning of 2014 ................................ 15

Total membership of coalition loyalty programs ............................................................................................. 20 The coalition schemes investigated have an average membership of almost 11.4 million ...................................... 20 Some of the programs with most members are also those that have been established for longest… .................... 21 … although a few introduced more recently are catching them up… ....................................................................... 21 … and Max Get More has become the largest as a result of its unique operating model ........................................ 21

Consumer penetration benchmarking of coalition loyalty programs ............................................................. 25 There is little apparent relationship between penetration and longevity of coalition loyalty programs ..................... 25 Four schemes are used by over 60% of the total adult population of the countries in which they operate… .......... 25 … and another five by more than 50% ....................................................................................................................... 25

Approaches to currency earning and redemption .......................................................................................... 31 Currency-earning partners are more numerous than currency-redemption partners in most cases… ................... 31 … as many program owners prefer to focus currency redemption on their own commercial propositions… ......... 32 … although in a minority of cases, currency-earning and currency-redemption partners are identical ................... 32 Credit cards and hospitality expenditure are the most common categories for earning currency ............................ 33

Co-branded payment cards associated with coalition loyalty programs ....................................................... 35 Co-branded payment cards have been developed for close to three quarters of schemes analysed ..................... 35 For one program, co-branded payment cards are available across 24 countries ..................................................... 35 20 programs lacking a co-branded product allow members to earn currency via unbranded payment cards ........ 35 American Express, Barclays and Citigroup are the most frequently used card-issuing groups… ........................... 36 … albeit globally, affiliations are spread across a very wide range of card issuers .................................................. 36 By number of affiliations with co-branded cards, MasterCard has a narrow lead over Visa…................................. 37

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...with American Express being particularly strong among programs originating from the airline sector ................. 37 Future directions for coalition loyalty programs .............................................................................................. 38

Several key trends will characterise the future development of the market for coalition loyalty programs .............. 38 The involvement of major retail brands in coalition loyalty programs rose sharply between 2010 and 2014 .......... 39 MySchool MyVillage MyPlanet has distinguished itself for its commitment to social responsibility.......................... 40 The potential for coalition loyalty programs is finally being realised in the US… ...................................................... 40 … with Sports Loyalty International planning launch of a ground-breaking new initiative ........................................ 40 Coalition Rewards has advocated a move towards ‘shopper flyer programs’ (SFPs)… .......................................... 40 … which is significant given the high profitability often generated by airline frequent flyer programs ...................... 41

3.0 PROGRAM PROFILES ................................................................................................................................ 42 Included in the interactive CoalitionBASE™ ................................................................................................... 42

AA Smartfuel ................................................................................................................................................. 42

AAdvantage ................................................................................................................................................... 44

ABSA Rewards ............................................................................................................................................. 46

Advantage ..................................................................................................................................................... 48

Aerolíneas Plus ............................................................................................................................................. 50

Aeroplan ........................................................................................................................................................ 52

Air Miles (Canada) ........................................................................................................................................ 54

Air Miles (Middle East) .................................................................................................................................. 56

Air Miles (Netherlands) ................................................................................................................................. 58

Airpoints ......................................................................................................................................................... 60

Alfursan ......................................................................................................................................................... 62

Alpha Bonus .................................................................................................................................................. 64

Amigo ............................................................................................................................................................ 66

Amtrak Guest Rewards ................................................................................................................................ 68

ANA Mileage Club ........................................................................................................................................ 70

ANZ Rewards ................................................................................................................................................ 72

Asia Miles ...................................................................................................................................................... 74

Asiana Club ................................................................................................................................................... 76

Atlasmiles ...................................................................................................................................................... 78

Audience Rewards ....................................................................................................................................... 80

Avios .............................................................................................................................................................. 82

Avis Preferred ............................................................................................................................................... 84

Axess ............................................................................................................................................................. 86

bahn.bonus ................................................................................................................................................... 88

Barclaycard Freedom ................................................................................................................................... 90

Basma ........................................................................................................................................................... 92

BDO Rewards ............................................................................................................................................... 94

Best Western Rewards ................................................................................................................................. 96

BIG ................................................................................................................................................................. 98

BinterMás .................................................................................................................................................... 100

BLU Members ............................................................................................................................................. 102

Bonus (Aeroflot) .......................................................................................................................................... 104

Bonus (Turkey) ........................................................................................................................................... 106

Bonus Card (Romania) ............................................................................................................................... 108

Bonus Card (Switzerland) .......................................................................................................................... 110

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BonusLink .................................................................................................................................................... 112

Boomerang Club ......................................................................................................................................... 114

CAA Dollars ................................................................................................................................................. 116

China Rewards ........................................................................................................................................... 118

Choice Privileges ........................................................................................................................................ 120

Club Carlson ............................................................................................................................................... 122

Club ITC ...................................................................................................................................................... 124

Club Premier ............................................................................................................................................... 126

CommBank Awards .................................................................................................................................... 128

Cumulus ...................................................................................................................................................... 130

DeutschlandCard ........................................................................................................................................ 132

dotz .............................................................................................................................................................. 134

Dynasty Flyer .............................................................................................................................................. 136

EarlyReturns ............................................................................................................................................... 138

Eastern Miles .............................................................................................................................................. 140

eBucks ......................................................................................................................................................... 142

Egret Club ................................................................................................................................................... 144

EgyptAir Plus ............................................................................................................................................... 146

eleVAte ........................................................................................................................................................ 148

Elite Hotels Guest Program ........................................................................................................................ 150

enJoy Card .................................................................................................................................................. 152

Enrich........................................................................................................................................................... 154

Etihad Guest ............................................................................................................................................... 156

EuroBonus .................................................................................................................................................. 158

EuroClix ....................................................................................................................................................... 160

Falconflyer ................................................................................................................................................... 162

Finnair Plus ................................................................................................................................................. 164

Fly Buys ....................................................................................................................................................... 166

FlyBuys ........................................................................................................................................................ 168

FlyerBonus .................................................................................................................................................. 170

Flying Blue ................................................................................................................................................... 172

Flying Club .................................................................................................................................................. 174

Flying Returns ............................................................................................................................................. 176

Fortune Wings Club .................................................................................................................................... 178

Free Spirit .................................................................................................................................................... 180

Frequent Flyer ............................................................................................................................................. 182

Frequent Traveller ....................................................................................................................................... 184

Fuel Rewards .............................................................................................................................................. 186

FuelCircle .................................................................................................................................................... 188

Fun Miles ..................................................................................................................................................... 190

GarudaMiles ................................................................................................................................................ 192

Genting Rewards ........................................................................................................................................ 194

GetGo .......................................................................................................................................................... 196

Globe Rewards ........................................................................................................................................... 198

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Gold Circle Club .......................................................................................................................................... 200

Gold Passport ............................................................................................................................................. 202

Golden Lotus Plus ...................................................................................................................................... 204

Golden Panda ............................................................................................................................................. 206

Goopon ........................................................................................................................................................ 208

Happy Go Card ........................................................................................................................................... 210

Hawaiian Miles ............................................................................................................................................ 212

HBC Rewards ............................................................................................................................................. 214

Heathrow Rewards ..................................................................................................................................... 216

Hilton Hhonors ............................................................................................................................................ 218

Hyundai Card .............................................................................................................................................. 220

Iberia Plus.................................................................................................................................................... 222

IHG Rewards Club ...................................................................................................................................... 224

Infinity MileageLands .................................................................................................................................. 226

Italo Più ........................................................................................................................................................ 228

JAL Mileage Bank ....................................................................................................................................... 230

Jet Privilege ................................................................................................................................................. 232

Juneyao Club .............................................................................................................................................. 234

K-Plussa ...................................................................................................................................................... 236

KrisFlyer ...................................................................................................................................................... 238

Labicard ....................................................................................................................................................... 240

LanPass ...................................................................................................................................................... 242

Le Club Accorhotels .................................................................................................................................... 244

Legacy Lifestyle .......................................................................................................................................... 246

LifeMiles ...................................................................................................................................................... 248

Mabuhay Miles ............................................................................................................................................ 250

Magna Rewards .......................................................................................................................................... 252

Mahala ......................................................................................................................................................... 254

Malina .......................................................................................................................................................... 256

Malmö Aviation Frequent Flyer .................................................................................................................. 258

Marriott Rewards ......................................................................................................................................... 260

Max Get More ............................................................................................................................................. 262

MaxiCard ..................................................................................................................................................... 264

Maximiles (France) ..................................................................................................................................... 266

Maximiles (Italy) .......................................................................................................................................... 268

Maximiles (Spain) ....................................................................................................................................... 270

Maximiles (UK) ............................................................................................................................................ 272

Maximum ..................................................................................................................................................... 274

Maybank TreatsPoints ................................................................................................................................ 276

MedMera Kort ............................................................................................................................................. 278

Megacard .................................................................................................................................................... 280

Membership Rewards ................................................................................................................................ 282

Mercator Pika .............................................................................................................................................. 284

Meridiana Club ............................................................................................................................................ 286

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Mileage Plan ............................................................................................................................................... 288

Mileage Plus ................................................................................................................................................ 290

Miles & Bonus ............................................................................................................................................. 292

Miles & More ............................................................................................................................................... 294

Miles & Smiles ............................................................................................................................................. 296

MilleMiglia .................................................................................................................................................... 298

Mnogo.ru ..................................................................................................................................................... 300

More Rewards ............................................................................................................................................. 302

Multiplus ...................................................................................................................................................... 304

MultiPlusCard .............................................................................................................................................. 306

Multipont ...................................................................................................................................................... 308

MyAirEuropa ............................................................................................................................................... 310

MYER One .................................................................................................................................................. 312

MySchool MyVillage MyPlanet................................................................................................................... 314

NBK Reward Points .................................................................................................................................... 316

Nectar (Italy) ................................................................................................................................................ 318

Nectar (UK) ................................................................................................................................................. 320

Norwegian Reward ..................................................................................................................................... 322

Oasis Club ................................................................................................................................................... 324

Octopus Rewards ....................................................................................................................................... 326

Oh! Point...................................................................................................................................................... 328

OK Cashbag ............................................................................................................................................... 330

OK Plus ....................................................................................................................................................... 332

OKcard ........................................................................................................................................................ 334

Oki Doki ....................................................................................................................................................... 336

Panorama Club ........................................................................................................................................... 338

Paro ............................................................................................................................................................. 340

PAYBACK (Germany) ................................................................................................................................ 342

PAYBACK (India) ........................................................................................................................................ 344

PAYBACK (Italy) ......................................................................................................................................... 346

PAYBACK (Mexico) .................................................................................................................................... 348

PAYBACK (Poland) .................................................................................................................................... 350

Pegasus Plus .............................................................................................................................................. 352

PhoenixMiles ............................................................................................................................................... 354

PINS ............................................................................................................................................................ 356

Plenti ............................................................................................................................................................ 358

Plus .............................................................................................................................................................. 360

Plus! ............................................................................................................................................................. 362

Ponta ........................................................................................................................................................... 364

Premia Karta ............................................................................................................................................... 366

PremierMiles ............................................................................................................................................... 368

Privilege Club .............................................................................................................................................. 370

Programa de Puntos RACC ....................................................................................................................... 372

Punct Card .................................................................................................................................................. 374

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R&R ............................................................................................................................................................. 376

Rapid Rewards ........................................................................................................................................... 378

RBC Rewards ............................................................................................................................................. 380

RealRewards .............................................................................................................................................. 382

RewardsCentral .......................................................................................................................................... 384

Ripley Puntos .............................................................................................................................................. 386

Rocketmiles ................................................................................................................................................. 388

Royal Orchid Plus ....................................................................................................................................... 390

S’Miles ......................................................................................................................................................... 392

S7 Priority .................................................................................................................................................... 394

Säästukaart ................................................................................................................................................. 396

Safar Flyer ................................................................................................................................................... 398

Samsung Card ............................................................................................................................................ 400

SATA IMAGINE .......................................................................................................................................... 402

Scandic Friends .......................................................................................................................................... 404

Shopkick ...................................................................................................................................................... 406

Shukran ....................................................................................................................................................... 408

Sindbad ....................................................................................................................................................... 410

SJ Prio ......................................................................................................................................................... 412

Sky Pearl Club ............................................................................................................................................ 414

SkyMiles ...................................................................................................................................................... 416

Skypass ....................................................................................................................................................... 418

Skywards ..................................................................................................................................................... 420

SM Advantage ............................................................................................................................................ 422

Smiles .......................................................................................................................................................... 424

Spasibo........................................................................................................................................................ 426

Starwood Preferred Guest ......................................................................................................................... 428

Stash Hotel Rewards .................................................................................................................................. 430

Status........................................................................................................................................................... 432

StayCredits .................................................................................................................................................. 434

Super Kartica .............................................................................................................................................. 436

Súper Puntos .............................................................................................................................................. 438

Supercard .................................................................................................................................................... 440

SuperShop .................................................................................................................................................. 442

Sure Loyalty ................................................................................................................................................ 444

Svyaznoy Club ............................................................................................................................................ 446

T Point ......................................................................................................................................................... 448

Tata Empower Card ................................................................................................................................... 450

Tesco Clubcard ........................................................................................................................................... 452

Thanks Again .............................................................................................................................................. 454

The Marco Polo Club .................................................................................................................................. 456

The Ritz-Carlton Rewards .......................................................................................................................... 458

Top Club Q .................................................................................................................................................. 460

topbonus ...................................................................................................................................................... 462

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Toyota More ................................................................................................................................................ 464

Transaero Privilege ..................................................................................................................................... 466

Travel Club .................................................................................................................................................. 468

Travel Miles ................................................................................................................................................. 470

TrueBlue ...................................................................................................................................................... 472

trumf ............................................................................................................................................................. 474

Tudo Azul .................................................................................................................................................... 476

Turyocio ....................................................................................................................................................... 478

Ufly Rewards ............................................................................................................................................... 480

UniClub ........................................................................................................................................................ 482

Upromise ..................................................................................................................................................... 484

Velocity ........................................................................................................................................................ 486

Victoria ......................................................................................................................................................... 488

VOILÀ Hotel Rewards ................................................................................................................................ 490

Voyager ....................................................................................................................................................... 492

Webmiles ..................................................................................................................................................... 494

WestJet Rewards ........................................................................................................................................ 496

Westpac Altitude Rewards ......................................................................................................................... 498

Wings ........................................................................................................................................................... 500

World ........................................................................................................................................................... 502

Wyndham Rewards .................................................................................................................................... 504

YES!............................................................................................................................................................. 506

you&eni........................................................................................................................................................ 508

ZAP .............................................................................................................................................................. 510

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LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY ............................................................................................................................... 1

1.0 INTRODUCTION ............................................................................................................................................ 5

Breakdown of coalition loyalty programs investigated by country and sector of origin .................................. 8

2.0 GLOBAL PROGRAM OVERVIEW ............................................................................................................. 10

Year of launch of extant coalition loyalty programs worldwide segmented by sector of origin of program, 1981 to 2015 ..................................................................................................................................................... 11 Cumulative growth in number of extant coalition loyalty programs worldwide segmented by sector of origin of program, 1981 to 2015 ................................................................................................................................ 12 Estimated growth in total number of members of coalition loyalty programs worldwide segmented by sector of origin of program, 1981 to 2015 ....................................................................................................... 13 Estimated growth in total number of members of coalition loyalty programs worldwide segmented by sector of origin of program, 1980, 1985, 1990, 1995, 2000, 2005, 2010 and 2015 (table).......................... 14 Coalition loyalty programs worldwide, including identity of ultimate owner(s) listed by year of launch, 1981 to 2015 .............................................................................................................................................................. 16 Coalition loyalty programs worldwide, including identity of ultimate owner(s) listed by year of launch, 1981 to 2015 (continued) .......................................................................................................................................... 17 Coalition loyalty programs worldwide, including identity of ultimate owner(s) listed by year of launch, 1981 to 2015 (continued) .......................................................................................................................................... 18 Coalition loyalty programs worldwide, including identity of ultimate owner(s), where year of launch not verified ............................................................................................................................................................... 19 Coalition loyalty programs investigated worldwide segmented by approximate total membership bands, 2015 .................................................................................................................................................................. 20 Approximate total member numbers, 2015, versus year of launch of coalition loyalty programs investigated worldwide ..................................................................................................................................... 22 Approximate total member numbers, 2015, and year of launch of coalition loyalty programs investigated worldwide (table) .............................................................................................................................................. 23 Approximate total member numbers, 2015, and year of launch of coalition loyalty programs investigated worldwide (table) (continued) .......................................................................................................................... 24 % penetration within total adult consumer base, 2015, versus year of launch of coalition loyalty programs investigated worldwide ..................................................................................................................................... 26 % penetration within total adult consumer base, 2015, versus size of total adult consumer base of coalition loyalty programs investigated worldwide (1) .................................................................................... 27 % penetration within total adult consumer base, 2015, versus size of total adult consumer base of coalition loyalty programs investigated worldwide (2) .................................................................................... 28 % penetration within total adult consumer base, 2015, versus year of launch and size of total adult consumer base of coalition loyalty programs investigated worldwide (table) ............................................... 29 % penetration within total adult consumer base, 2015, versus year of launch and size of total adult consumer base of coalition loyalty programs investigated worldwide (table) (continued) ........................... 30 Segmentation of global coalition loyalty programs by number of external currency-earning and currency-redemption partners, 2015............................................................................................................................... 31 Segmentation of global coalition loyalty programs by number of external currency-earning and currency-redemption partners, 2015 (table) ................................................................................................................... 32 Segmentation of global coalition loyalty programs by weighting of number of currency-earning partners against number of currency-redemption partners, 2015 ................................................................................ 33 Category penetration within global coalition loyalty program currency-earning and currency-redemption systems, 2015 .................................................................................................................................................. 34 Co-branded payment cards associated with coalition loyalty programs worldwide: provision rates and operating models, 2015 ................................................................................................................................... 36 Co-branded payment cards associated with coalition loyalty programs worldwide: card issuers ranked by number of affiliations, 2015 .............................................................................................................................. 37

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Co-branded payment cards associated with coalition loyalty programs worldwide: payment networks ranked by number of affiliations, 2015 ............................................................................................................ 38 Segmentation of major retail brands worldwide according to adherence to coalition and / or proprietary loyalty programs, 2010 and 2014 .................................................................................................................... 39

3.0 PROGRAM PROFILES ................................................................................................................................ 42 Included in the interactive CoalitionBASE™ ................................................................................................... 42 AA Smartfuel: launch year, approximate number of members and other key facts ..................................... 42 AA Smartfuel: currency-earning and currency-redemption metrics .............................................................. 42 AA Smartfuel: currency-earning and currency-redemption categories ......................................................... 43 AA Smartfuel: co-branded payment cards ...................................................................................................... 43 AAdvantage: launch year, approximate number of members and other key facts ...................................... 44 AAdvantage: currency-earning and currency-redemption metrics ................................................................ 44 AAdvantage: currency-earning and currency-redemption categories ........................................................... 45 AAdvantage: co-branded payment cards ....................................................................................................... 45 ABSA Rewards: launch year, approximate number of members and other key facts ................................. 46 ABSA Rewards: currency-earning and currency-redemption metrics .......................................................... 46 ABSA Rewards: currency-earning and currency-redemption categories ..................................................... 47 ABSA Rewards: co-branded payment cards .................................................................................................. 47 Advantage: launch year, approximate number of members and other key facts ......................................... 48 Advantage: currency-earning and currency-redemption metrics .................................................................. 48 Advantage: currency-earning and currency-redemption categories ............................................................. 49 Advantage: co-branded payment cards .......................................................................................................... 49 Aerolíneas Plus: launch year, approximate number of members and other key facts ................................. 50 Aerolíneas Plus: currency-earning and currency-redemption metrics .......................................................... 50 Aerolíneas Plus: currency-earning and currency-redemption categories ..................................................... 51 Aerolíneas Plus: co-branded payment cards ................................................................................................. 51 Aeroplan: launch year, approximate number of members and other key facts ............................................ 52 Aeroplan: currency-earning and currency-redemption metrics ..................................................................... 52 Aeroplan: currency-earning and currency-redemption categories ................................................................ 53 Aeroplan: co-branded payment cards ............................................................................................................. 53 Air Miles (Canada): launch year, approximate number of members and other key facts ............................ 54 Air Miles (Canada): currency-earning and currency-redemption metrics ..................................................... 54 Air Miles (Canada): currency-earning and currency-redemption categories ................................................ 55 Air Miles (Canada): co-branded payment cards ............................................................................................. 55 Air Miles (Middle East): launch year, approximate number of members and other key facts ..................... 56 Air Miles (Middle East): currency-earning and currency-redemption metrics ............................................... 56 Air Miles (Middle East): currency-earning and currency-redemption categories .......................................... 57 Air Miles (Middle East): co-branded payment cards ...................................................................................... 57 Air Miles (Netherlands): launch year, approximate number of members and other key facts ..................... 58 Air Miles (Netherlands): currency-earning and currency-redemption metrics .............................................. 58 Air Miles (Netherlands): currency-earning and currency-redemption categories ......................................... 59 Air Miles (Netherlands): co-branded payment cards ...................................................................................... 59 Airpoints : launch year, approximate number of members and other key facts ........................................... 60 Airpoints : currency-earning and currency-redemption metrics ..................................................................... 60 Airpoints : currency-earning and currency-redemption categories ................................................................ 61 Airpoints : co-branded payment cards ............................................................................................................ 61 Alfursan : launch year, approximate number of members and other key facts ............................................ 62 Alfursan : currency-earning and currency-redemption metrics ...................................................................... 62 Alfursan : currency-earning and currency-redemption categories ................................................................ 63 Alfursan : co-branded payment cards ............................................................................................................. 63 Alpha Bonus: launch year, approximate number of members and other key facts...................................... 64

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Alpha Bonus: currency-earning and currency-redemption metrics ............................................................... 64 Alpha Bonus: currency-earning and currency-redemption categories .......................................................... 65 Alpha Bonus: co-branded payment cards ...................................................................................................... 65 Amigo: launch year, approximate number of members and other key facts ................................................ 66 Amigo: currency-earning and currency-redemption metrics .......................................................................... 66 Amigo: currency-earning and currency-redemption categories .................................................................... 67 Amigo: co-branded payment cards ................................................................................................................. 67 Amtrak Guest Rewards: launch year, approximate number of members and other key facts .................... 68 Amtrak Guest Rewards: currency-earning and currency-redemption metrics ............................................. 68 Amtrak Guest Rewards: currency-earning and currency-redemption categories ........................................ 69 Amtrak Guest Rewards: co-branded payment cards ..................................................................................... 69 ANA Mileage Club: launch year, approximate number of members and other key facts ............................ 70 ANA Mileage Club: currency-earning and currency-redemption metrics ...................................................... 70 ANA Mileage Club: currency-earning and currency-redemption categories ................................................ 71 ANA Mileage Club: co-branded payment cards ............................................................................................. 71 ANZ Rewards: launch year, approximate number of members and other key facts ................................... 72 ANZ Rewards: currency-earning and currency-redemption metrics ............................................................. 72 ANZ Rewards: currency-earning and currency-redemption categories ........................................................ 73 ANZ Rewards: co-branded payment cards .................................................................................................... 73 Asia Miles: launch year, approximate number of members and other key facts .......................................... 74 Asia Miles: currency-earning and currency-redemption metrics ................................................................... 74 Asia Miles: currency-earning and currency-redemption categories .............................................................. 75 Asia Miles: co-branded payment cards ........................................................................................................... 75 Asiana Club: launch year, approximate number of members and other key facts ....................................... 76 Asiana Club: currency-earning and currency-redemption metrics ................................................................ 76 Asiana Club: currency-earning and currency-redemption categories ........................................................... 77 Asiana Club: co-branded payment cards ....................................................................................................... 77 Atlasmiles: launch year, approximate number of members and other key facts .......................................... 78 Atlasmiles: currency-earning and currency-redemption metrics ................................................................... 78 Atlasmiles: currency-earning and currency-redemption categories .............................................................. 79 Atlasmiles: co-branded payment cards ........................................................................................................... 79 Audience Rewards: launch year, approximate number of members and other key facts ........................... 80 Audience Rewards: currency-earning and currency-redemption metrics ..................................................... 80 Audience Rewards: currency-earning and currency-redemption categories................................................ 81 Audience Rewards: co-branded payment cards ............................................................................................ 81 Avios: launch year, approximate number of members and other key facts .................................................. 82 Avios: currency-earning and currency-redemption metrics ........................................................................... 82 Avios: currency-earning and currency-redemption categories ...................................................................... 83 Avios: co-branded payment cards................................................................................................................... 83 Avis Preferred: launch year, approximate number of members and other key facts ................................... 84 Avis Preferred: currency-earning and currency-redemption metrics ............................................................. 84 Avis Preferred: currency-earning and currency-redemption categories ....................................................... 85 Avis Preferred: co-branded payment cards .................................................................................................... 85 Axess: launch year, approximate number of members and other key facts ................................................. 86 Axess: currency-earning and currency-redemption metrics .......................................................................... 86 Axess: currency-earning and currency-redemption categories ..................................................................... 87 Axess: co-branded payment cards ................................................................................................................. 87 bahn.bonus: launch year, approximate number of members and other key facts ....................................... 88 bahn.bonus: currency-earning and currency-redemption metrics ................................................................. 88 bahn.bonus: currency-earning and currency-redemption categories ........................................................... 89 bahn.bonus: co-branded payment cards ........................................................................................................ 89

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Barclaycard Freedom: launch year, approximate number of members and other key facts ....................... 90 Barclaycard Freedom: currency-earning and currency-redemption metrics ................................................ 90 Barclaycard Freedom: currency-earning and currency-redemption categories ........................................... 91 Barclaycard Freedom: co-branded payment cards ........................................................................................ 91 Basma: launch year, approximate number of members and other key facts ............................................... 92 Basma: currency-earning and currency-redemption metrics ......................................................................... 92 Basma: currency-earning and currency-redemption categories ................................................................... 93 Basma: co-branded payment cards ................................................................................................................ 93 BDO Rewards: launch year, approximate number of members and other key facts ................................... 94 BDO Rewards: currency-earning and currency-redemption metrics ............................................................ 94 BDO Rewards: currency-earning and currency-redemption categories ....................................................... 95 BDO Rewards: co-branded payment cards ................................................................................................... 95 Best Western Rewards: launch year, approximate number of members and other key facts .................... 96 Best Western Rewards: currency-earning and currency-redemption metrics .............................................. 96 Best Western Rewards: currency-earning and currency-redemption categories ......................................... 97 Best Western Rewards: co-branded payment cards ..................................................................................... 97 BIG: launch year, approximate number of members and other key facts .................................................... 98 BIG: currency-earning and currency-redemption metrics .............................................................................. 98 BIG: currency-earning and currency-redemption categories ......................................................................... 99 BIG: co-branded payment cards ..................................................................................................................... 99 BinterMás : launch year, approximate number of members and other key facts ....................................... 100 BinterMás : currency-earning and currency-redemption metrics ................................................................ 100 BinterMás : currency-earning and currency-redemption categories ........................................................... 101 BinterMás : co-branded payment cards ........................................................................................................ 101 BLU Members: launch year, approximate number of members and other key facts ................................. 102 BLU Members: currency-earning and currency-redemption metrics .......................................................... 102 BLU Members: currency-earning and currency-redemption categories ..................................................... 103 BLU Members: co-branded payment cards ................................................................................................. 103 Bonus (Aeroflot): launch year, approximate number of members and other key facts .............................. 104 Bonus (Aeroflot): currency-earning and currency-redemption metrics ....................................................... 104 Bonus (Aeroflot): currency-earning and currency-redemption categories .................................................. 105 Bonus (Aeroflot): co-branded payment cards ............................................................................................... 105 Bonus (Turkey): launch year, approximate number of members and other key facts ............................... 106 Bonus (Turkey): currency-earning and currency-redemption metrics ......................................................... 106 Bonus (Turkey): currency-earning and currency-redemption categories ................................................... 107 Bonus (Turkey): co-branded payment cards ................................................................................................ 107 Bonus Card (Romania): launch year, approximate number of members and other key facts .................. 108 Bonus Card (Romania): currency-earning and currency-redemption metrics ............................................ 108 Bonus Card (Romania): currency-earning and currency-redemption categories ....................................... 109 Bonus Card (Romania): co-branded payment cards ................................................................................... 109 Bonus Card (Switzerland): launch year, approximate number of members and other key facts .............. 110 Bonus Card (Switzerland): currency-earning and currency-redemption metrics ........................................ 110 Bonus Card (Switzerland): currency-earning and currency-redemption categories .................................. 111 Bonus Card (Switzerland): co-branded payment cards ............................................................................... 111 BonusLink: launch year, approximate number of members and other key facts ....................................... 112 BonusLink: currency-earning and currency-redemption metrics ................................................................. 112 BonusLink: currency-earning and currency-redemption categories............................................................ 113 BonusLink: co-branded payment cards ........................................................................................................ 113 Boomerang Club : launch year, approximate number of members and other key facts............................ 114 Boomerang Club : currency-earning and currency-redemption metrics ..................................................... 114 Boomerang Club : currency-earning and currency-redemption categories ................................................ 115

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© FINACCORD (08/2015) XII

Boomerang Club : co-branded payment cards ............................................................................................ 115 CAA Dollars: launch year, approximate number of members and other key facts .................................... 116 CAA Dollars: currency-earning and currency-redemption metrics .............................................................. 116 CAA Dollars: currency-earning and currency-redemption categories ......................................................... 117 CAA Dollars: co-branded payment cards ..................................................................................................... 117 China Rewards: launch year, approximate number of members and other key facts ............................... 118 China Rewards: currency-earning and currency-redemption metrics ......................................................... 118 China Rewards: currency-earning and currency-redemption categories ................................................... 119 China Rewards: co-branded payment cards ................................................................................................ 119 Choice Privileges: launch year, approximate number of members and other key facts ............................ 120 Choice Privileges: currency-earning and currency-redemption metrics ..................................................... 120 Choice Privileges: currency-earning and currency-redemption categories ................................................ 121 Choice Privileges: co-branded payment cards ............................................................................................. 121 Club Carlson: launch year, approximate number of members and other key facts ................................... 122 Club Carlson: currency-earning and currency-redemption metrics ............................................................. 122 Club Carlson: currency-earning and currency-redemption categories ....................................................... 123 Club Carlson: co-branded payment cards .................................................................................................... 123 Club ITC: launch year, approximate number of members and other key facts .......................................... 124 Club ITC: currency-earning and currency-redemption metrics.................................................................... 124 Club ITC: currency-earning and currency-redemption categories .............................................................. 125 Club ITC: co-branded payment cards ........................................................................................................... 125 Club Premier : launch year, approximate number of members and other key facts .................................. 126 Club Premier : currency-earning and currency-redemption metrics ........................................................... 126 Club Premier : currency-earning and currency-redemption categories ...................................................... 127 Club Premier : co-branded payment cards ................................................................................................... 127 CommBank Awards: launch year, approximate number of members and other key facts ....................... 128 CommBank Awards: currency-earning and currency-redemption metrics ................................................. 128 CommBank Awards: currency-earning and currency-redemption categories ............................................ 129 CommBank Awards: co-branded payment cards ........................................................................................ 129 Cumulus: launch year, approximate number of members and other key facts .......................................... 130 Cumulus: currency-earning and currency-redemption metrics ................................................................... 130 Cumulus: currency-earning and currency-redemption categories .............................................................. 131 Cumulus: co-branded payment cards ........................................................................................................... 131 DeutschlandCard: launch year, approximate number of members and other key facts ............................ 132 DeutschlandCard: currency-earning and currency-redemption metrics ..................................................... 132 DeutschlandCard: currency-earning and currency-redemption categories ................................................ 133 DeutschlandCard: co-branded payment cards ............................................................................................. 133 dotz: launch year, approximate number of members and other key facts .................................................. 134 dotz: currency-earning and currency-redemption metrics ........................................................................... 134 dotz: currency-earning and currency-redemption categories ...................................................................... 135 dotz: co-branded payment cards ................................................................................................................... 135 Dynasty Flyer : launch year, approximate number of members and other key facts ................................. 136 Dynasty Flyer : currency-earning and currency-redemption metrics .......................................................... 136 Dynasty Flyer : currency-earning and currency-redemption categories ..................................................... 137 Dynasty Flyer : co-branded payment cards .................................................................................................. 137 EarlyReturns : launch year, approximate number of members and other key facts .................................. 138 EarlyReturns : currency-earning and currency-redemption metrics ............................................................ 138 EarlyReturns : currency-earning and currency-redemption categories ...................................................... 139 EarlyReturns : co-branded payment cards ................................................................................................... 139 Eastern Miles : launch year, approximate number of members and other key facts ................................. 140 Eastern Miles : currency-earning and currency-redemption metrics ........................................................... 140

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Eastern Miles : currency-earning and currency-redemption categories ..................................................... 141 Eastern Miles : co-branded payment cards .................................................................................................. 141 eBucks: launch year, approximate number of members and other key facts ............................................ 142 eBucks: currency-earning and currency-redemption metrics ...................................................................... 142 eBucks: currency-earning and currency-redemption categories ................................................................. 143 eBucks: co-branded payment cards ............................................................................................................. 143 Egret Club: launch year, approximate number of members and other key facts ....................................... 144 Egret Club: currency-earning and currency-redemption metrics ................................................................. 144 Egret Club: currency-earning and currency-redemption categories ........................................................... 145 Egret Club: co-branded payment cards ........................................................................................................ 145 EgyptAir Plus : launch year, approximate number of members and other key facts ................................. 146 EgyptAir Plus : currency-earning and currency-redemption metrics ........................................................... 146 EgyptAir Plus : currency-earning and currency-redemption categories ...................................................... 147 EgyptAir Plus : co-branded payment cards .................................................................................................. 147 eleVAte : launch year, approximate number of members and other key facts ........................................... 148 eleVAte : currency-earning and currency-redemption metrics .................................................................... 148 eleVAte : currency-earning and currency-redemption categories ............................................................... 149 eleVAte : co-branded payment cards............................................................................................................ 149 Elite Hotels Guest Program: launch year, approximate number of members and other key facts ........... 150 Elite Hotels Guest Program: currency-earning and currency-redemption metrics ..................................... 150 Elite Hotels Guest Program: currency-earning and currency-redemption categories ................................ 151 Elite Hotels Guest Program: co-branded payment cards ............................................................................ 151 enJoy Card: launch year, approximate number of members and other key facts ...................................... 152 enJoy Card: currency-earning and currency-redemption metrics ............................................................... 152 enJoy Card: currency-earning and currency-redemption categories .......................................................... 153 enJoy Card: co-branded payment cards ...................................................................................................... 153 Enrich : launch year, approximate number of members and other key facts ............................................. 154 Enrich : currency-earning and currency-redemption metrics ....................................................................... 154 Enrich : currency-earning and currency-redemption categories.................................................................. 155 Enrich : co-branded payment cards .............................................................................................................. 155 Etihad Guest : launch year, approximate number of members and other key facts .................................. 156 Etihad Guest : currency-earning and currency-redemption metrics ............................................................ 156 Etihad Guest : currency-earning and currency-redemption categories ...................................................... 157 Etihad Guest : co-branded payment cards ................................................................................................... 157 EuroBonus : launch year, approximate number of members and other key facts ..................................... 158 EuroBonus : currency-earning and currency-redemption metrics ............................................................... 158 EuroBonus : currency-earning and currency-redemption categories ......................................................... 159 EuroBonus : co-branded payment cards ...................................................................................................... 159 EuroClix: launch year, approximate number of members and other key facts ........................................... 160 EuroClix: currency-earning and currency-redemption metrics .................................................................... 160 EuroClix: currency-earning and currency-redemption categories ............................................................... 161 EuroClix: co-branded payment cards............................................................................................................ 161 Falconflyer : launch year, approximate number of members and other key facts ...................................... 162 Falconflyer : currency-earning and currency-redemption metrics ............................................................... 162 Falconflyer : currency-earning and currency-redemption categories .......................................................... 163 Falconflyer : co-branded payment cards ...................................................................................................... 163 Finnair Plus: launch year, approximate number of members and other key facts ..................................... 164 Finnair Plus: currency-earning and currency-redemption metrics ............................................................... 164 Finnair Plus: currency-earning and currency-redemption categories ......................................................... 165 Finnair Plus: co-branded payment cards ...................................................................................................... 165 Fly Buys: launch year, approximate number of members and other key facts .......................................... 166

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Fly Buys: currency-earning and currency-redemption metrics .................................................................... 166 Fly Buys: currency-earning and currency-redemption categories ............................................................... 167 Fly Buys: co-branded payment cards ........................................................................................................... 167 FlyBuys: launch year, approximate number of members and other key facts............................................ 168 FlyBuys: currency-earning and currency-redemption metrics ..................................................................... 168 FlyBuys: currency-earning and currency-redemption categories ................................................................ 169 FlyBuys: co-branded payment cards ............................................................................................................ 169 FlyerBonus : launch year, approximate number of members and other key facts ..................................... 170 FlyerBonus : currency-earning and currency-redemption metrics .............................................................. 170 FlyerBonus : currency-earning and currency-redemption categories ......................................................... 171 FlyerBonus : co-branded payment cards ...................................................................................................... 171 Flying Blue: launch year, approximate number of members and other key facts ...................................... 172 Flying Blue: currency-earning and currency-redemption metrics ................................................................ 172 Flying Blue: currency-earning and currency-redemption categories ........................................................... 173 Flying Blue: co-branded payment cards ....................................................................................................... 173 Flying Club: launch year, approximate number of members and other key facts ...................................... 174 Flying Club: currency-earning and currency-redemption metrics ................................................................ 174 Flying Club: currency-earning and currency-redemption categories .......................................................... 175 Flying Club: co-branded payment cards ....................................................................................................... 175 Flying Returns : launch year, approximate number of members and other key facts ................................ 176 Flying Returns : currency-earning and currency-redemption metrics ......................................................... 176 Flying Returns : currency-earning and currency-redemption categories .................................................... 177 Flying Returns : co-branded payment cards................................................................................................. 177 Fortune Wings Club : launch year, approximate number of members and other key facts ....................... 178 Fortune Wings Club : currency-earning and currency-redemption metrics ................................................ 178 Fortune Wings Club : currency-earning and currency-redemption categories ........................................... 179 Fortune Wings Club : co-branded payment cards ....................................................................................... 179 Free Spirit : launch year, approximate number of members and other key facts ....................................... 180 Free Spirit : currency-earning and currency-redemption metrics ................................................................ 180 Free Spirit : currency-earning and currency-redemption categories ........................................................... 181 Free Spirit : co-branded payment cards........................................................................................................ 181 Frequent Flyer: launch year, approximate number of members and other key facts................................. 182 Frequent Flyer: currency-earning and currency-redemption metrics .......................................................... 182 Frequent Flyer: currency-earning and currency-redemption categories ..................................................... 183 Frequent Flyer: co-branded payment cards ................................................................................................. 183 Frequent Traveller: launch year, approximate number of members and other key facts .......................... 184 Frequent Traveller: currency-earning and currency-redemption metrics .................................................... 184 Frequent Traveller: currency-earning and currency-redemption categories ............................................... 185 Frequent Traveller: co-branded payment cards ........................................................................................... 185 Fuel Rewards: launch year, approximate number of members and other key facts .................................. 186 Fuel Rewards: currency-earning and currency-redemption metrics ........................................................... 186 Fuel Rewards: currency-earning and currency-redemption categories ...................................................... 187 Fuel Rewards: co-branded payment cards .................................................................................................. 187 FuelCircle: launch year, approximate number of members and other key facts ........................................ 188 FuelCircle: currency-earning and currency-redemption metrics .................................................................. 188 FuelCircle: currency-earning and currency-redemption categories ............................................................ 189 FuelCircle: co-branded payment cards ......................................................................................................... 189 Fun Miles: launch year, approximate number of members and other key facts ......................................... 190 Fun Miles: currency-earning and currency-redemption metrics .................................................................. 190 Fun Miles: currency-earning and currency-redemption categories ............................................................. 191 Fun Miles: co-branded payment cards ......................................................................................................... 191

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GarudaMiles: launch year, approximate number of members and other key facts.................................... 192 GarudaMiles: currency-earning and currency-redemption metrics ............................................................. 192 GarudaMiles: currency-earning and currency-redemption categories ........................................................ 193 GarudaMiles: co-branded payment cards .................................................................................................... 193 Genting Rewards: launch year, approximate number of members and other key facts ............................ 194 Genting Rewards: currency-earning and currency-redemption metrics ..................................................... 194 Genting Rewards: currency-earning and currency-redemption categories ................................................ 195 Genting Rewards: co-branded payment cards ............................................................................................. 195 GetGo: launch year, approximate number of members and other key facts .............................................. 196 GetGo: currency-earning and currency-redemption metrics ....................................................................... 196 GetGo: currency-earning and currency-redemption categories .................................................................. 197 GetGo: co-branded payment cards ............................................................................................................... 197 Globe Rewards: launch year, approximate number of members and other key facts ............................... 198 Globe Rewards: currency-earning and currency-redemption metrics ........................................................ 198 Globe Rewards: currency-earning and currency-redemption categories ................................................... 199 Globe Rewards: co-branded payment cards ................................................................................................ 199 Gold Circle Club : launch year, approximate number of members and other key facts ............................. 200 Gold Circle Club : currency-earning and currency-redemption metrics ...................................................... 200 Gold Circle Club : currency-earning and currency-redemption categories ................................................. 201 Gold Circle Club : co-branded payment cards ............................................................................................. 201 Gold Passport: launch year, approximate number of members and other key facts ................................. 202 Gold Passport: currency-earning and currency-redemption metrics ........................................................... 202 Gold Passport: currency-earning and currency-redemption categories ..................................................... 203 Gold Passport: co-branded payment cards .................................................................................................. 203 Golden Lotus Plus : launch year, approximate number of members and other key facts ......................... 204 Golden Lotus Plus : currency-earning and currency-redemption metrics ................................................... 204 Golden Lotus Plus : currency-earning and currency-redemption categories ............................................. 205 Golden Lotus Plus : co-branded payment cards .......................................................................................... 205 Golden Panda : launch year, approximate number of members and other key facts ................................ 206 Golden Panda : currency-earning and currency-redemption metrics ......................................................... 206 Golden Panda : currency-earning and currency-redemption categories .................................................... 207 Golden Panda : co-branded payment cards................................................................................................. 207 Goopon: launch year, approximate number of members and other key facts ........................................... 208 Goopon: currency-earning and currency-redemption metrics ..................................................................... 208 Goopon: currency-earning and currency-redemption categories ................................................................ 209 Goopon: co-branded payment cards ............................................................................................................ 209 Happy Go Card: launch year, approximate number of members and other key facts ............................... 210 Happy Go Card: currency-earning and currency-redemption metrics ........................................................ 210 Happy Go Card: currency-earning and currency-redemption categories ................................................... 211 Happy Go Card: co-branded payment cards ............................................................................................... 211 Hawaiian Miles : launch year, approximate number of members and other key facts ............................... 212 Hawaiian Miles : currency-earning and currency-redemption metrics ........................................................ 212 Hawaiian Miles : currency-earning and currency-redemption categories ................................................... 213 Hawaiian Miles : co-branded payment cards ............................................................................................... 213 HBC Rewards: launch year, approximate number of members and other key facts ................................. 214 HBC Rewards: currency-earning and currency-redemption metrics .......................................................... 214 HBC Rewards: currency-earning and currency-redemption categories ..................................................... 215 HBC Rewards: co-branded payment cards .................................................................................................. 215 Heathrow Rewards: launch year, approximate number of members and other key facts ......................... 216 Heathrow Rewards: currency-earning and currency-redemption metrics .................................................. 216 Heathrow Rewards: currency-earning and currency-redemption categories ............................................. 217

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Heathrow Rewards: co-branded payment cards .......................................................................................... 217 Hilton Hhonors: launch year, approximate number of members and other key facts ................................ 218 Hilton Hhonors: currency-earning and currency-redemption metrics .......................................................... 218 Hilton Hhonors: currency-earning and currency-redemption categories .................................................... 219 Hilton Hhonors: co-branded payment cards ................................................................................................. 219 Hyundai Card: launch year, approximate number of members and other key facts .................................. 220 Hyundai Card: currency-earning and currency-redemption metrics ........................................................... 220 Hyundai Card: currency-earning and currency-redemption categories ...................................................... 221 Hyundai Card: co-branded payment cards ................................................................................................... 221 Iberia Plus: launch year, approximate number of members and other key facts ....................................... 222 Iberia Plus: currency-earning and currency-redemption metrics ................................................................. 222 Iberia Plus: currency-earning and currency-redemption categories............................................................ 223 Iberia Plus: co-branded payment cards ........................................................................................................ 223 IHG Rewards Club: launch year, approximate number of members and other key facts ......................... 224 IHG Rewards Club: currency-earning and currency-redemption metrics ................................................... 224 IHG Rewards Club: currency-earning and currency-redemption categories .............................................. 225 IHG Rewards Club: co-branded payment cards .......................................................................................... 225 Infinity MileageLands: launch year, approximate number of members and other key facts ...................... 226 Infinity MileageLands: currency-earning and currency-redemption metrics ............................................... 226 Infinity MileageLands: currency-earning and currency-redemption categories .......................................... 227 Infinity MileageLands: co-branded payment cards....................................................................................... 227 Italo Più: launch year, approximate number of members and other key facts ........................................... 228 Italo Più: currency-earning and currency-redemption metrics ..................................................................... 228 Italo Più: currency-earning and currency-redemption categories ................................................................ 229 Italo Più: co-branded payment cards ............................................................................................................ 229 JAL Mileage Bank: launch year, approximate number of members and other key facts .......................... 230 JAL Mileage Bank: currency-earning and currency-redemption metrics .................................................... 230 JAL Mileage Bank: currency-earning and currency-redemption categories ............................................... 231 JAL Mileage Bank: co-branded payment cards ........................................................................................... 231 Jet Privilege : launch year, approximate number of members and other key facts .................................... 232 Jet Privilege : currency-earning and currency-redemption metrics ............................................................. 232 Jet Privilege : currency-earning and currency-redemption categories ........................................................ 233 Jet Privilege : co-branded payment cards .................................................................................................... 233 Juneyao Club: launch year, approximate number of members and other key facts .................................. 234 Juneyao Club: currency-earning and currency-redemption metrics ........................................................... 234 Juneyao Club: currency-earning and currency-redemption categories ...................................................... 235 Juneyao Club: co-branded payment cards ................................................................................................... 235 K-Plussa: launch year, approximate number of members and other key facts .......................................... 236 K-Plussa: currency-earning and currency-redemption metrics ................................................................... 236 K-Plussa: currency-earning and currency-redemption categories .............................................................. 237 K-Plussa: co-branded payment cards ........................................................................................................... 237 KrisFlyer : launch year, approximate number of members and other key facts ......................................... 238 KrisFlyer : currency-earning and currency-redemption metrics ................................................................... 238 KrisFlyer : currency-earning and currency-redemption categories ............................................................. 239 KrisFlyer : co-branded payment cards .......................................................................................................... 239 Labicard: launch year, approximate number of members and other key facts .......................................... 240 Labicard: currency-earning and currency-redemption metrics .................................................................... 240 Labicard: currency-earning and currency-redemption categories ............................................................... 241 Labicard: co-branded payment cards ........................................................................................................... 241 LanPass : launch year, approximate number of members and other key facts ......................................... 242 LanPass : currency-earning and currency-redemption metrics ................................................................... 242

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LanPass : currency-earning and currency-redemption categories ............................................................. 243 LanPass : co-branded payment cards .......................................................................................................... 243 Le Club Accorhotels: launch year, approximate number of members and other key facts ....................... 244 Le Club Accorhotels: currency-earning and currency-redemption metrics ................................................. 244 Le Club Accorhotels: currency-earning and currency-redemption categories ............................................ 245 Le Club Accorhotels: co-branded payment cards ........................................................................................ 245 Legacy Lifestyle: launch year, approximate number of members and other key facts .............................. 246 Legacy Lifestyle: currency-earning and currency-redemption metrics ........................................................ 246 Legacy Lifestyle: currency-earning and currency-redemption categories .................................................. 247 Legacy Lifestyle: co-branded payment cards ............................................................................................... 247 LifeMiles: launch year, approximate number of members and other key facts .......................................... 248 LifeMiles: currency-earning and currency-redemption metrics .................................................................... 248 LifeMiles: currency-earning and currency-redemption categories .............................................................. 249 LifeMiles: co-branded payment cards ........................................................................................................... 249 Mabuhay Miles : launch year, approximate number of members and other key facts .............................. 250 Mabuhay Miles : currency-earning and currency-redemption metrics ........................................................ 250 Mabuhay Miles : currency-earning and currency-redemption categories ................................................... 251 Mabuhay Miles : co-branded payment cards ............................................................................................... 251 Magna Rewards: launch year, approximate number of members and other key facts ............................. 252 Magna Rewards: currency-earning and currency-redemption metrics ....................................................... 252 Magna Rewards: currency-earning and currency-redemption categories .................................................. 253 Magna Rewards: co-branded payment cards .............................................................................................. 253 Mahala: launch year, approximate number of members and other key facts ............................................ 254 Mahala: currency-earning and currency-redemption metrics ...................................................................... 254 Mahala: currency-earning and currency-redemption categories ................................................................. 255 Mahala: co-branded payment cards ............................................................................................................. 255 Malina: launch year, approximate number of members and other key facts .............................................. 256 Malina: currency-earning and currency-redemption metrics ....................................................................... 256 Malina: currency-earning and currency-redemption categories .................................................................. 257 Malina: co-branded payment cards ............................................................................................................... 257 Malmö Aviation Frequent Flyer: launch year, approximate number of members and other key facts ...... 258 Malmö Aviation Frequent Flyer: currency-earning and currency-redemption metrics ............................... 258 Malmö Aviation Frequent Flyer: currency-earning and currency-redemption categories .......................... 259 Malmö Aviation Frequent Flyer: co-branded payment cards ....................................................................... 259 Marriott Rewards: launch year, approximate number of members and other key facts ............................ 260 Marriott Rewards: currency-earning and currency-redemption metrics ...................................................... 260 Marriott Rewards: currency-earning and currency-redemption categories ................................................. 261 Marriott Rewards: co-branded payment cards ............................................................................................. 261 Max Get More: launch year, approximate number of members and other key facts ................................. 262 Max Get More: currency-earning and currency-redemption metrics .......................................................... 262 Max Get More: currency-earning and currency-redemption categories ..................................................... 263 Max Get More: co-branded payment cards .................................................................................................. 263 MaxiCard: launch year, approximate number of members and other key facts ......................................... 264 MaxiCard: currency-earning and currency-redemption metrics .................................................................. 264 MaxiCard: currency-earning and currency-redemption categories ............................................................. 265 MaxiCard: co-branded payment cards .......................................................................................................... 265 Maximiles (France): launch year, approximate number of members and other key facts ......................... 266 Maximiles (France): currency-earning and currency-redemption metrics................................................... 266 Maximiles (France): currency-earning and currency-redemption categories ............................................. 267 Maximiles (France): co-branded payment cards .......................................................................................... 267 Maximiles (Italy): launch year, approximate number of members and other key facts .............................. 268

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Maximiles (Italy): currency-earning and currency-redemption metrics ....................................................... 268 Maximiles (Italy): currency-earning and currency-redemption categories .................................................. 269 Maximiles (Italy): co-branded payment cards ............................................................................................... 269 Maximiles (Spain): launch year, approximate number of members and other key facts ........................... 270 Maximiles (Spain): currency-earning and currency-redemption metrics ..................................................... 270 Maximiles (Spain): currency-earning and currency-redemption categories ............................................... 271 Maximiles (Spain): co-branded payment cards ............................................................................................ 271 Maximiles (UK): launch year, approximate number of members and other key facts ............................... 272 Maximiles (UK): currency-earning and currency-redemption metrics ......................................................... 272 Maximiles (UK): currency-earning and currency-redemption categories .................................................... 273 Maximiles (UK): co-branded payment cards ................................................................................................ 273 Maximum: launch year, approximate number of members and other key facts ........................................ 274 Maximum: currency-earning and currency-redemption metrics .................................................................. 274 Maximum: currency-earning and currency-redemption categories ............................................................. 275 Maximum: co-branded payment cards ......................................................................................................... 275 Maybank TreatsPoints: launch year, approximate number of members and other key facts ................... 276 Maybank TreatsPoints: currency-earning and currency-redemption metrics ............................................. 276 Maybank TreatsPoints: currency-earning and currency-redemption categories ........................................ 277 Maybank TreatsPoints: co-branded payment cards .................................................................................... 277 MedMera Kort: launch year, approximate number of members and other key facts ................................. 278 MedMera Kort: currency-earning and currency-redemption metrics .......................................................... 278 MedMera Kort: currency-earning and currency-redemption categories ..................................................... 279 MedMera Kort: co-branded payment cards .................................................................................................. 279 Megacard: launch year, approximate number of members and other key facts ........................................ 280 Megacard: currency-earning and currency-redemption metrics .................................................................. 280 Megacard: currency-earning and currency-redemption categories ............................................................ 281 Megacard: co-branded payment cards ......................................................................................................... 281 Membership Rewards: launch year, approximate number of members and other key facts .................... 282 Membership Rewards: currency-earning and currency-redemption metrics .............................................. 282 Membership Rewards: currency-earning and currency-redemption categories ........................................ 283 Membership Rewards: co-branded payment cards ..................................................................................... 283 Mercator Pika: launch year, approximate number of members and other key facts .................................. 284 Mercator Pika: currency-earning and currency-redemption metrics ........................................................... 284 Mercator Pika: currency-earning and currency-redemption categories ...................................................... 285 Mercator Pika: co-branded payment cards ................................................................................................... 285 Meridiana Club: launch year, approximate number of members and other key facts ................................ 286 Meridiana Club: currency-earning and currency-redemption metrics ......................................................... 286 Meridiana Club: currency-earning and currency-redemption categories .................................................... 287 Meridiana Club: co-branded payment cards ................................................................................................ 287 Mileage Plan : launch year, approximate number of members and other key facts .................................. 288 Mileage Plan : currency-earning and currency-redemption metrics ............................................................ 288 Mileage Plan : currency-earning and currency-redemption categories ...................................................... 289 Mileage Plan : co-branded payment cards ................................................................................................... 289 Mileage Plus: launch year, approximate number of members and other key facts ................................... 290 Mileage Plus: currency-earning and currency-redemption metrics ............................................................. 290 Mileage Plus: currency-earning and currency-redemption categories ........................................................ 291 Mileage Plus: co-branded payment cards .................................................................................................... 291 Miles & Bonus : launch year, approximate number of members and other key facts ................................ 292 Miles & Bonus : currency-earning and currency-redemption metrics ......................................................... 292 Miles & Bonus : currency-earning and currency-redemption categories .................................................... 293 Miles & Bonus : co-branded payment cards ................................................................................................. 293

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Miles & More: launch year, approximate number of members and other key facts ................................... 294 Miles & More: currency-earning and currency-redemption metrics ............................................................ 294 Miles & More: currency-earning and currency-redemption categories ....................................................... 295 Miles & More: co-branded payment cards .................................................................................................... 295 Miles & Smiles: launch year, approximate number of members and other key facts ................................ 296 Miles & Smiles: currency-earning and currency-redemption metrics .......................................................... 296 Miles & Smiles: currency-earning and currency-redemption categories ..................................................... 297 Miles & Smiles: co-branded payment cards ................................................................................................. 297 MilleMiglia : launch year, approximate number of members and other key facts ...................................... 298 MilleMiglia : currency-earning and currency-redemption metrics ................................................................ 298 MilleMiglia : currency-earning and currency-redemption categories ........................................................... 299 MilleMiglia : co-branded payment cards ....................................................................................................... 299 Mnogo.ru: launch year, approximate number of members and other key facts ......................................... 300 Mnogo.ru: currency-earning and currency-redemption metrics .................................................................. 300 Mnogo.ru: currency-earning and currency-redemption categories ............................................................. 301 Mnogo.ru: co-branded payment cards .......................................................................................................... 301 More Rewards: launch year, approximate number of members and other key facts ................................ 302 More Rewards: currency-earning and currency-redemption metrics .......................................................... 302 More Rewards: currency-earning and currency-redemption categories ..................................................... 303 More Rewards: co-branded payment cards ................................................................................................. 303 Multiplus: launch year, approximate number of members and other key facts .......................................... 304 Multiplus: currency-earning and currency-redemption metrics .................................................................... 304 Multiplus: currency-earning and currency-redemption categories .............................................................. 305 Multiplus: co-branded payment cards ........................................................................................................... 305 MultiPlusCard: launch year, approximate number of members and other key facts.................................. 306 MultiPlusCard: currency-earning and currency-redemption metrics ........................................................... 306 MultiPlusCard: currency-earning and currency-redemption categories ...................................................... 307 MultiPlusCard: co-branded payment cards .................................................................................................. 307 Multipont: launch year, approximate number of members and other key facts .......................................... 308 Multipont: currency-earning and currency-redemption metrics ................................................................... 308 Multipont: currency-earning and currency-redemption categories .............................................................. 309 Multipont: co-branded payment cards........................................................................................................... 309 MyAirEuropa: launch year, approximate number of members and other key facts ................................... 310 MyAirEuropa: currency-earning and currency-redemption metrics ............................................................. 310 MyAirEuropa: currency-earning and currency-redemption categories ....................................................... 311 MyAirEuropa: co-branded payment cards .................................................................................................... 311 MYER One: launch year, approximate number of members and other key facts ...................................... 312 MYER One: currency-earning and currency-redemption metrics ............................................................... 312 MYER One: currency-earning and currency-redemption categories .......................................................... 313 MYER One: co-branded payment cards ...................................................................................................... 313 MySchool MyVillage MyPlanet: launch year, approximate number of members and other key facts ...... 314 MySchool MyVillage MyPlanet: currency-earning and currency-redemption metrics ................................ 314 MySchool MyVillage MyPlanet: currency-earning and currency-redemption categories........................... 315 MySchool MyVillage MyPlanet: co-branded payment cards ....................................................................... 315 NBK Reward Points: launch year, approximate number of members and other key facts........................ 316 NBK Reward Points: currency-earning and currency-redemption metrics ................................................. 316 NBK Reward Points: currency-earning and currency-redemption categories ............................................ 317 NBK Reward Points: co-branded payment cards ........................................................................................ 317 Nectar (Italy): launch year, approximate number of members and other key facts .................................... 318 Nectar (Italy): currency-earning and currency-redemption metrics ............................................................. 318 Nectar (Italy): currency-earning and currency-redemption categories ........................................................ 319

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Nectar (Italy): co-branded payment cards .................................................................................................... 319 Nectar (UK): launch year, approximate number of members and other key facts ..................................... 320 Nectar (UK): currency-earning and currency-redemption metrics ............................................................... 320 Nectar (UK): currency-earning and currency-redemption categories ......................................................... 321 Nectar (UK): co-branded payment cards ...................................................................................................... 321 Norwegian Reward: launch year, approximate number of members and other key facts ......................... 322 Norwegian Reward: currency-earning and currency-redemption metrics .................................................. 322 Norwegian Reward: currency-earning and currency-redemption categories ............................................. 323 Norwegian Reward: co-branded payment cards .......................................................................................... 323 Oasis Club : launch year, approximate number of members and other key facts ..................................... 324 Oasis Club : currency-earning and currency-redemption metrics ............................................................... 324 Oasis Club : currency-earning and currency-redemption categories .......................................................... 325 Oasis Club : co-branded payment cards ...................................................................................................... 325 Octopus Rewards: launch year, approximate number of members and other key facts ........................... 326 Octopus Rewards: currency-earning and currency-redemption metrics .................................................... 326 Octopus Rewards: currency-earning and currency-redemption categories ............................................... 327 Octopus Rewards: co-branded payment cards ............................................................................................ 327 Oh! Point: launch year, approximate number of members and other key facts ......................................... 328 Oh! Point: currency-earning and currency-redemption metrics ................................................................... 328 Oh! Point: currency-earning and currency-redemption categories.............................................................. 329 Oh! Point: co-branded payment cards .......................................................................................................... 329 OK Cashbag: launch year, approximate number of members and other key facts ................................... 330 OK Cashbag: currency-earning and currency-redemption metrics ............................................................. 330 OK Cashbag: currency-earning and currency-redemption categories ....................................................... 331 OK Cashbag: co-branded payment cards .................................................................................................... 331 OK Plus : launch year, approximate number of members and other key facts .......................................... 332 OK Plus : currency-earning and currency-redemption metrics.................................................................... 332 OK Plus : currency-earning and currency-redemption categories .............................................................. 333 OK Plus : co-branded payment cards ........................................................................................................... 333 OKcard: launch year, approximate number of members and other key facts ............................................ 334 OKcard: currency-earning and currency-redemption metrics ...................................................................... 334 OKcard: currency-earning and currency-redemption categories ................................................................ 335 OKcard: co-branded payment cards ............................................................................................................. 335 Oki Doki: launch year, approximate number of members and other key facts ........................................... 336 Oki Doki: currency-earning and currency-redemption metrics .................................................................... 336 Oki Doki: currency-earning and currency-redemption categories ............................................................... 337 Oki Doki: co-branded payment cards............................................................................................................ 337 Panorama Club : launch year, approximate number of members and other key facts .............................. 338 Panorama Club : currency-earning and currency-redemption metrics ....................................................... 338 Panorama Club : currency-earning and currency-redemption categories .................................................. 339 Panorama Club : co-branded payment cards .............................................................................................. 339 Paro: launch year, approximate number of members and other key facts ................................................. 340 Paro: currency-earning and currency-redemption metrics .......................................................................... 340 Paro: currency-earning and currency-redemption categories ..................................................................... 341 Paro: co-branded payment cards .................................................................................................................. 341 PAYBACK (Germany): launch year, approximate number of members and other key facts .................... 342 PAYBACK (Germany): currency-earning and currency-redemption metrics ............................................. 342 PAYBACK (Germany): currency-earning and currency-redemption categories ........................................ 343 PAYBACK (Germany): co-branded payment cards ..................................................................................... 343 PAYBACK (India): launch year, approximate number of members and other key facts ........................... 344 PAYBACK (India): currency-earning and currency-redemption metrics ..................................................... 344

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PAYBACK (India): currency-earning and currency-redemption categories ................................................ 345 PAYBACK (India): co-branded payment cards ............................................................................................ 345 PAYBACK (Italy): launch year, approximate number of members and other key facts ............................. 346 PAYBACK (Italy): currency-earning and currency-redemption metrics ...................................................... 346 PAYBACK (Italy): currency-earning and currency-redemption categories ................................................. 347 PAYBACK (Italy): co-branded payment cards ............................................................................................. 347 PAYBACK (Mexico): launch year, approximate number of members and other key facts ....................... 348 PAYBACK (Mexico): currency-earning and currency-redemption metrics ................................................. 348 PAYBACK (Mexico): currency-earning and currency-redemption categories ............................................ 349 PAYBACK (Mexico): co-branded payment cards ........................................................................................ 349 PAYBACK (Poland): launch year, approximate number of members and other key facts ........................ 350 PAYBACK (Poland): currency-earning and currency-redemption metrics ................................................. 350 PAYBACK (Poland): currency-earning and currency-redemption categories ............................................ 351 PAYBACK (Poland): co-branded payment cards ........................................................................................ 351 Pegasus Plus: launch year, approximate number of members and other key facts .................................. 352 Pegasus Plus: currency-earning and currency-redemption metrics ........................................................... 352 Pegasus Plus: currency-earning and currency-redemption categories ...................................................... 353 Pegasus Plus: co-branded payment cards ................................................................................................... 353 PhoenixMiles: launch year, approximate number of members and other key facts................................... 354 PhoenixMiles: currency-earning and currency-redemption metrics ............................................................ 354 PhoenixMiles: currency-earning and currency-redemption categories ....................................................... 355 PhoenixMiles: co-branded payment cards ................................................................................................... 355 PINS: launch year, approximate number of members and other key facts ................................................ 356 PINS: currency-earning and currency-redemption metrics .......................................................................... 356 PINS: currency-earning and currency-redemption categories .................................................................... 357 PINS: co-branded payment cards ................................................................................................................. 357 Plenti: launch year, approximate number of members and other key facts ................................................ 358 Plenti: currency-earning and currency-redemption metrics ......................................................................... 358 Plenti: currency-earning and currency-redemption categories .................................................................... 359 Plenti: co-branded payment cards ................................................................................................................ 359 Plus: launch year, approximate number of members and other key facts .................................................. 360 Plus: currency-earning and currency-redemption metrics ........................................................................... 360 Plus: currency-earning and currency-redemption categories ...................................................................... 361 Plus: co-branded payment cards .................................................................................................................. 361 Plus!: launch year, approximate number of members and other key facts ................................................. 362 Plus!: currency-earning and currency-redemption metrics .......................................................................... 362 Plus!: currency-earning and currency-redemption categories ..................................................................... 363 Plus!: co-branded payment cards ................................................................................................................. 363 Ponta: launch year, approximate number of members and other key facts ............................................... 364 Ponta: currency-earning and currency-redemption metrics ......................................................................... 364 Ponta: currency-earning and currency-redemption categories ................................................................... 365 Ponta: co-branded payment cards ................................................................................................................ 365 Premia Karta: launch year, approximate number of members and other key facts ................................... 366 Premia Karta: currency-earning and currency-redemption metrics ............................................................ 366 Premia Karta: currency-earning and currency-redemption categories ....................................................... 367 Premia Karta: co-branded payment cards .................................................................................................... 367 PremierMiles: launch year, approximate number of members and other key facts ................................... 368 PremierMiles: currency-earning and currency-redemption metrics ............................................................ 368 PremierMiles: currency-earning and currency-redemption categories ....................................................... 369 PremierMiles: co-branded payment cards .................................................................................................... 369 Privilege Club : launch year, approximate number of members and other key facts ................................. 370

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Privilege Club : currency-earning and currency-redemption metrics .......................................................... 370 Privilege Club : currency-earning and currency-redemption categories ..................................................... 371 Privilege Club : co-branded payment cards .................................................................................................. 371 Programa de Puntos RACC: launch year, approximate number of members and other key facts .......... 372 Programa de Puntos RACC: currency-earning and currency-redemption metrics .................................... 372 Programa de Puntos RACC: currency-earning and currency-redemption categories ............................... 373 Programa de Puntos RACC: co-branded payment cards ........................................................................... 373 Punct Card: launch year, approximate number of members and other key facts ...................................... 374 Punct Card: currency-earning and currency-redemption metrics ................................................................ 374 Punct Card: currency-earning and currency-redemption categories .......................................................... 375 Punct Card: co-branded payment cards ....................................................................................................... 375 R&R: launch year, approximate number of members and other key facts ................................................. 376 R&R: currency-earning and currency-redemption metrics .......................................................................... 376 R&R: currency-earning and currency-redemption categories ..................................................................... 377 R&R: co-branded payment cards .................................................................................................................. 377 Rapid Rewards : launch year, approximate number of members and other key facts .............................. 378 Rapid Rewards : currency-earning and currency-redemption metrics ........................................................ 378 Rapid Rewards : currency-earning and currency-redemption categories .................................................. 379 Rapid Rewards : co-branded payment cards ............................................................................................... 379 RBC Rewards: launch year, approximate number of members and other key facts ................................. 380 RBC Rewards: currency-earning and currency-redemption metrics .......................................................... 380 RBC Rewards: currency-earning and currency-redemption categories ..................................................... 381 RBC Rewards: co-branded payment cards .................................................................................................. 381 RealRewards: launch year, approximate number of members and other key facts .................................. 382 RealRewards: currency-earning and currency-redemption metrics ............................................................ 382 RealRewards: currency-earning and currency-redemption categories ...................................................... 383 RealRewards: co-branded payment cards ................................................................................................... 383 RewardsCentral: launch year, approximate number of members and other key facts .............................. 384 RewardsCentral: currency-earning and currency-redemption metrics ....................................................... 384 RewardsCentral: currency-earning and currency-redemption categories .................................................. 385 RewardsCentral: co-branded payment cards ............................................................................................... 385 Ripley Puntos: launch year, approximate number of members and other key facts .................................. 386 Ripley Puntos: currency-earning and currency-redemption metrics ........................................................... 386 Ripley Puntos: currency-earning and currency-redemption categories ...................................................... 387 Ripley Puntos: co-branded payment cards ................................................................................................... 387 Rocketmiles: launch year, approximate number of members and other key facts .................................... 388 Rocketmiles: currency-earning and currency-redemption metrics .............................................................. 388 Rocketmiles: currency-earning and currency-redemption categories ......................................................... 389 Rocketmiles: co-branded payment cards ..................................................................................................... 389 Royal Orchid Plus : launch year, approximate number of members and other key facts .......................... 390 Royal Orchid Plus : currency-earning and currency-redemption metrics ................................................... 390 Royal Orchid Plus : currency-earning and currency-redemption categories .............................................. 391 Royal Orchid Plus : co-branded payment cards ........................................................................................... 391 S’Miles: launch year, approximate number of members and other key facts ............................................. 392 S’Miles: currency-earning and currency-redemption metrics ...................................................................... 392 S’Miles: currency-earning and currency-redemption categories ................................................................. 393 S’Miles: co-branded payment cards .............................................................................................................. 393 S7 Priority: launch year, approximate number of members and other key facts ........................................ 394 S7 Priority: currency-earning and currency-redemption metrics ................................................................. 394 S7 Priority: currency-earning and currency-redemption categories ............................................................ 395 S7 Priority: co-branded payment cards......................................................................................................... 395

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Säästukaart: launch year, approximate number of members and other key facts ..................................... 396 Säästukaart: currency-earning and currency-redemption metrics .............................................................. 396 Säästukaart: currency-earning and currency-redemption categories ......................................................... 397 Säästukaart: co-branded payment cards ...................................................................................................... 397 Safar Flyer : launch year, approximate number of members and other key facts ...................................... 398 Safar Flyer : currency-earning and currency-redemption metrics ............................................................... 398 Safar Flyer : currency-earning and currency-redemption categories .......................................................... 399 Safar Flyer : co-branded payment cards ...................................................................................................... 399 Samsung Card: launch year, approximate number of members and other key facts ................................ 400 Samsung Card: currency-earning and currency-redemption metrics ......................................................... 400 Samsung Card: currency-earning and currency-redemption categories .................................................... 401 Samsung Card: co-branded payment cards ................................................................................................ 401 SATA IMAGINE: launch year, approximate number of members and other key facts .............................. 402 SATA IMAGINE: currency-earning and currency-redemption metrics ....................................................... 402 SATA IMAGINE: currency-earning and currency-redemption categories .................................................. 403 SATA IMAGINE: co-branded payment cards ............................................................................................... 403 Scandic Friends: launch year, approximate number of members and other key facts .............................. 404 Scandic Friends: currency-earning and currency-redemption metrics ....................................................... 404 Scandic Friends: currency-earning and currency-redemption categories .................................................. 405 Scandic Friends: co-branded payment cards ............................................................................................... 405 Shopkick: launch year, approximate number of members and other key facts .......................................... 406 Shopkick: currency-earning and currency-redemption metrics ................................................................... 406 Shopkick: currency-earning and currency-redemption categories .............................................................. 407 Shopkick: co-branded payment cards .......................................................................................................... 407 Shukran: launch year, approximate number of members and other key facts ........................................... 408 Shukran: currency-earning and currency-redemption metrics .................................................................... 408 Shukran: currency-earning and currency-redemption categories ............................................................... 409 Shukran: co-branded payment cards ............................................................................................................ 409 Sindbad : launch year, approximate number of members and other key facts .......................................... 410 Sindbad : currency-earning and currency-redemption metrics.................................................................... 410 Sindbad : currency-earning and currency-redemption categories .............................................................. 411 Sindbad : co-branded payment cards ........................................................................................................... 411 SJ Prio: launch year, approximate number of members and other key facts ............................................. 412 SJ Prio: currency-earning and currency-redemption metrics ...................................................................... 412 SJ Prio: currency-earning and currency-redemption categories ................................................................. 413 SJ Prio: co-branded payment cards .............................................................................................................. 413 Sky Pearl Club: launch year, approximate number of members and other key facts ................................ 414 Sky Pearl Club: currency-earning and currency-redemption metrics .......................................................... 414 Sky Pearl Club: currency-earning and currency-redemption categories .................................................... 415 Sky Pearl Club: co-branded payment cards ................................................................................................. 415 SkyMiles: launch year, approximate number of members and other key facts .......................................... 416 SkyMiles: currency-earning and currency-redemption metrics ................................................................... 416 SkyMiles: currency-earning and currency-redemption categories .............................................................. 417 SkyMiles: co-branded payment cards ........................................................................................................... 417 Skypass: launch year, approximate number of members and other key facts ........................................... 418 Skypass: currency-earning and currency-redemption metrics .................................................................... 418 Skypass: currency-earning and currency-redemption categories ............................................................... 419 Skypass: co-branded payment cards ........................................................................................................... 419 Skywards: launch year, approximate number of members and other key facts ........................................ 420 Skywards: currency-earning and currency-redemption metrics .................................................................. 420 Skywards: currency-earning and currency-redemption categories ............................................................. 421

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Skywards: co-branded payment cards ......................................................................................................... 421 SM Advantage: launch year, approximate number of members and other key facts ................................ 422 SM Advantage: currency-earning and currency-redemption metrics .......................................................... 422 SM Advantage: currency-earning and currency-redemption categories .................................................... 423 SM Advantage: co-branded payment cards ................................................................................................. 423 Smiles: launch year, approximate number of members and other key facts .............................................. 424 Smiles: currency-earning and currency-redemption metrics ....................................................................... 424 Smiles: currency-earning and currency-redemption categories .................................................................. 425 Smiles: co-branded payment cards .............................................................................................................. 425 Spasibo: launch year, approximate number of members and other key facts ........................................... 426 Spasibo: currency-earning and currency-redemption metrics ..................................................................... 426 Spasibo: currency-earning and currency-redemption categories ................................................................ 427 Spasibo: co-branded payment cards ............................................................................................................ 427 Starwood Preferred Guest: launch year, approximate number of members and other key facts ............. 428 Starwood Preferred Guest: currency-earning and currency-redemption metrics ....................................... 428 Starwood Preferred Guest: currency-earning and currency-redemption categories ................................. 429 Starwood Preferred Guest: co-branded payment cards .............................................................................. 429 Stash Hotel Rewards: launch year, approximate number of members and other key facts...................... 430 Stash Hotel Rewards: currency-earning and currency-redemption metrics ............................................... 430 Stash Hotel Rewards: currency-earning and currency-redemption categories .......................................... 431 Stash Hotel Rewards: co-branded payment cards ...................................................................................... 431 Status : launch year, approximate number of members and other key facts ............................................. 432 Status : currency-earning and currency-redemption metrics ....................................................................... 432 Status : currency-earning and currency-redemption categories.................................................................. 433 Status : co-branded payment cards .............................................................................................................. 433 StayCredits: launch year, approximate number of members and other key facts ..................................... 434 StayCredits: currency-earning and currency-redemption metrics ............................................................... 434 StayCredits: currency-earning and currency-redemption categories .......................................................... 435 StayCredits: co-branded payment cards ...................................................................................................... 435 Super Kartica: launch year, approximate number of members and other key facts .................................. 436 Super Kartica: currency-earning and currency-redemption metrics ............................................................ 436 Super Kartica: currency-earning and currency-redemption categories ...................................................... 437 Super Kartica: co-branded payment cards ................................................................................................... 437 Súper Puntos: launch year, approximate number of members and other key facts .................................. 438 Súper Puntos: currency-earning and currency-redemption metrics ............................................................ 438 Súper Puntos: currency-earning and currency-redemption categories ...................................................... 439 Súper Puntos: co-branded payment cards ................................................................................................... 439 Supercard: launch year, approximate number of members and other key facts ....................................... 440 Supercard: currency-earning and currency-redemption metrics ................................................................. 440 Supercard: currency-earning and currency-redemption categories ............................................................ 441 Supercard: co-branded payment cards ........................................................................................................ 441 SuperShop: launch year, approximate number of members and other key facts ...................................... 442 SuperShop: currency-earning and currency-redemption metrics ............................................................... 442 SuperShop: currency-earning and currency-redemption categories .......................................................... 443 SuperShop: co-branded payment cards ....................................................................................................... 443 Sure Loyalty: launch year, approximate number of members and other key facts .................................... 444 Sure Loyalty: currency-earning and currency-redemption metrics .............................................................. 444 Sure Loyalty: currency-earning and currency-redemption categories ........................................................ 445 Sure Loyalty: co-branded payment cards ..................................................................................................... 445 Svyaznoy Club: launch year, approximate number of members and other key facts ................................ 446 Svyaznoy Club: currency-earning and currency-redemption metrics ......................................................... 446

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Svyaznoy Club: currency-earning and currency-redemption categories .................................................... 447 Svyaznoy Club: co-branded payment cards................................................................................................. 447 T Point: launch year, approximate number of members and other key facts ............................................. 448 T Point: currency-earning and currency-redemption metrics ....................................................................... 448 T Point: currency-earning and currency-redemption categories ................................................................. 449 T Point: co-branded payment cards .............................................................................................................. 449 Tata Empower Card: launch year, approximate number of members and other key facts ....................... 450 Tata Empower Card: currency-earning and currency-redemption metrics ................................................. 450 Tata Empower Card: currency-earning and currency-redemption categories ........................................... 451 Tata Empower Card: co-branded payment cards ........................................................................................ 451 Tesco Clubcard: launch year, approximate number of members and other key facts .............................. 452 Tesco Clubcard: currency-earning and currency-redemption metrics ........................................................ 452 Tesco Clubcard: currency-earning and currency-redemption categories ................................................... 453 Tesco Clubcard: co-branded payment cards ............................................................................................... 453 Thanks Again: launch year, approximate number of members and other key facts .................................. 454 Thanks Again: currency-earning and currency-redemption metrics ........................................................... 454 Thanks Again: currency-earning and currency-redemption categories ...................................................... 455 Thanks Again: co-branded payment cards ................................................................................................... 455 The Marco Polo Club: launch year, approximate number of members and other key facts...................... 456 The Marco Polo Club: currency-earning and currency-redemption metrics ............................................... 456 The Marco Polo Club: currency-earning and currency-redemption categories .......................................... 457 The Marco Polo Club: co-branded payment cards ...................................................................................... 457 The Ritz-Carlton Rewards: launch year, approximate number of members and other key facts .............. 458 The Ritz-Carlton Rewards: currency-earning and currency-redemption metrics ....................................... 458 The Ritz-Carlton Rewards: currency-earning and currency-redemption categories .................................. 459 The Ritz-Carlton Rewards: co-branded payment cards .............................................................................. 459 Top Club Q: launch year, approximate number of members and other key facts ...................................... 460 Top Club Q: currency-earning and currency-redemption metrics ............................................................... 460 Top Club Q: currency-earning and currency-redemption categories .......................................................... 461 Top Club Q: co-branded payment cards ...................................................................................................... 461 topbonus : launch year, approximate number of members and other key facts ........................................ 462 topbonus : currency-earning and currency-redemption metrics .................................................................. 462 topbonus : currency-earning and currency-redemption categories ............................................................. 463 topbonus : co-branded payment cards ......................................................................................................... 463 Toyota More: launch year, approximate number of members and other key facts .................................... 464 Toyota More: currency-earning and currency-redemption metrics ............................................................. 464 Toyota More: currency-earning and currency-redemption categories ........................................................ 465 Toyota More: co-branded payment cards ..................................................................................................... 465 Transaero Privilege : launch year, approximate number of members and other key facts ....................... 466 Transaero Privilege : currency-earning and currency-redemption metrics ................................................. 466 Transaero Privilege : currency-earning and currency-redemption categories ............................................ 467 Transaero Privilege : co-branded payment cards ........................................................................................ 467 Travel Club: launch year, approximate number of members and other key facts ...................................... 468 Travel Club: currency-earning and currency-redemption metrics ............................................................... 468 Travel Club: currency-earning and currency-redemption categories .......................................................... 469 Travel Club: co-branded payment cards ....................................................................................................... 469 Travel Miles: launch year, approximate number of members and other key facts ..................................... 470 Travel Miles: currency-earning and currency-redemption metrics .............................................................. 470 Travel Miles: currency-earning and currency-redemption categories ......................................................... 471 Travel Miles: co-branded payment cards ...................................................................................................... 471 TrueBlue: launch year, approximate number of members and other key facts .......................................... 472

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GLOBAL COALITION LOYALTY PROGRAMS

© FINACCORD (08/2015) XXVI

TrueBlue: currency-earning and currency-redemption metrics ................................................................... 472 TrueBlue: currency-earning and currency-redemption categories .............................................................. 473 TrueBlue: co-branded payment cards .......................................................................................................... 473 trumf: launch year, approximate number of members and other key facts ................................................ 474 trumf: currency-earning and currency-redemption metrics .......................................................................... 474 trumf: currency-earning and currency-redemption categories ..................................................................... 475 trumf: co-branded payment cards ................................................................................................................. 475 Tudo Azul: launch year, approximate number of members and other key facts ........................................ 476 Tudo Azul: currency-earning and currency-redemption metrics ................................................................. 476 Tudo Azul: currency-earning and currency-redemption categories ............................................................ 477 Tudo Azul: co-branded payment cards ......................................................................................................... 477 Turyocio: launch year, approximate number of members and other key facts .......................................... 478 Turyocio: currency-earning and currency-redemption metrics .................................................................... 478 Turyocio: currency-earning and currency-redemption categories ............................................................... 479 Turyocio: co-branded payment cards ........................................................................................................... 479 Ufly Rewards : launch year, approximate number of members and other key facts.................................. 480 Ufly Rewards : currency-earning and currency-redemption metrics ........................................................... 480 Ufly Rewards : currency-earning and currency-redemption categories ...................................................... 481 Ufly Rewards : co-branded payment cards .................................................................................................. 481 UniClub: launch year, approximate number of members and other key facts............................................ 482 UniClub: currency-earning and currency-redemption metrics ..................................................................... 482 UniClub: currency-earning and currency-redemption categories ................................................................ 483 UniClub: co-branded payment cards ............................................................................................................ 483 Upromise: launch year, approximate number of members and other key facts ......................................... 484 Upromise: currency-earning and currency-redemption metrics .................................................................. 484 Upromise: currency-earning and currency-redemption categories ............................................................. 485 Upromise: co-branded payment cards .......................................................................................................... 485 Velocity : launch year, approximate number of members and other key facts ........................................... 486 Velocity : currency-earning and currency-redemption metrics .................................................................... 486 Velocity : currency-earning and currency-redemption categories ............................................................... 487 Velocity : co-branded payment cards ............................................................................................................ 487 Victoria : launch year, approximate number of members and other key facts ........................................... 488 Victoria : currency-earning and currency-redemption metrics ..................................................................... 488 Victoria : currency-earning and currency-redemption categories ................................................................ 489 Victoria : co-branded payment cards ............................................................................................................ 489 VOILÀ Hotel Rewards: launch year, approximate number of members and other key facts .................... 490 VOILÀ Hotel Rewards: currency-earning and currency-redemption metrics.............................................. 490 VOILÀ Hotel Rewards: currency-earning and currency-redemption categories ........................................ 491 VOILÀ Hotel Rewards: co-branded payment cards ..................................................................................... 491 Voyager : launch year, approximate number of members and other key facts .......................................... 492 Voyager : currency-earning and currency-redemption metrics ................................................................... 492 Voyager : currency-earning and currency-redemption categories .............................................................. 493 Voyager : co-branded payment cards ........................................................................................................... 493 Webmiles: launch year, approximate number of members and other key facts ........................................ 494 Webmiles: currency-earning and currency-redemption metrics .................................................................. 494 Webmiles: currency-earning and currency-redemption categories ............................................................. 495 Webmiles: co-branded payment cards ......................................................................................................... 495 WestJet Rewards: launch year, approximate number of members and other key facts ........................... 496 WestJet Rewards: currency-earning and currency-redemption metrics ..................................................... 496 WestJet Rewards: currency-earning and currency-redemption categories ................................................ 497 WestJet Rewards: co-branded payment cards ............................................................................................ 497

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GLOBAL COALITION LOYALTY PROGRAMS

© FINACCORD (08/2015) XXVII

Westpac Altitude Rewards: launch year, approximate number of members and other key facts ............. 498 Westpac Altitude Rewards: currency-earning and currency-redemption metrics ...................................... 498 Westpac Altitude Rewards: currency-earning and currency-redemption categories ................................. 499 Westpac Altitude Rewards: co-branded payment cards .............................................................................. 499 Wings : launch year, approximate number of members and other key facts ............................................. 500 Wings : currency-earning and currency-redemption metrics ....................................................................... 500 Wings : currency-earning and currency-redemption categories .................................................................. 501 Wings : co-branded payment cards .............................................................................................................. 501 World: launch year, approximate number of members and other key facts ............................................... 502 World: currency-earning and currency-redemption metrics ......................................................................... 502 World: currency-earning and currency-redemption categories ................................................................... 503 World: co-branded payment cards ................................................................................................................ 503 Wyndham Rewards: launch year, approximate number of members and other key facts ........................ 504 Wyndham Rewards: currency-earning and currency-redemption metrics ................................................. 504 Wyndham Rewards: currency-earning and currency-redemption categories ............................................ 505 Wyndham Rewards: co-branded payment cards ......................................................................................... 505 YES!: launch year, approximate number of members and other key facts ................................................ 506 YES!: currency-earning and currency-redemption metrics .......................................................................... 506 YES!: currency-earning and currency-redemption categories ..................................................................... 507 YES!: co-branded payment cards ................................................................................................................. 507 you&eni: launch year, approximate number of members and other key facts ........................................... 508 you&eni: currency-earning and currency-redemption metrics ..................................................................... 508 you&eni: currency-earning and currency-redemption categories ................................................................ 509 you&eni: co-branded payment cards ............................................................................................................ 509 ZAP: launch year, approximate number of members and other key facts.................................................. 510 ZAP: currency-earning and currency-redemption metrics ........................................................................... 510 ZAP: currency-earning and currency-redemption categories ...................................................................... 511 ZAP: co-branded payment cards .................................................................................................................. 511