5 must-have loyalty programs for today's millennials

Remember how delighted you were when the cashier at the billing counter surprisingly asked for your loyalty card number and the next moment your bill was halved? More often than not, we tend to overlook the rewards points we collect. It is only when we are asked that we tend to remind ourselves of the multiple rewards programs we are a part of.

Be it credit cards, airlines, online shopping platforms, retail chain programs, there are many rewards programs in India. There are some we use frequently and some we accrue over a period of time without our knowledge. Planning of loyalty rewards programs right can help you save money every month. The best part is that you can rack up these points in most cases and convert them into gift cards to treat yourself once in a while or save for that much-awaited vacation later in the year.

Here’s a sampling of the most innovative and reward programs in the country today:


TimesPoints is a unique rewards program that rewards you for every time you spend on its digital partner platforms like The Times of India, The Economic Times, Navbharat Times, Maharashtra Times, NewsPoint, HDFC-TimesPoint Debit Card and many others. Be it their websites or apps, you earn TimesPoints across them all.

TimesPoints gives you ‘points’ in your wallet that can be traded in to get benefits like deals, gifts and discounts. Reading articles, watching videos and photos, likes, comments, and shares – they all get you one step closer to these benefits. You can then redeem these points across 200+ brands including Amazon, Shoppers Stop, Myntra, Paytm and more.

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JetPrivilege is a loyalty and rewards programme by Jet Airways and Etihad Airways that rewards you for flying with these airlines. Passengers accrue JPMiles, that are saved in their JetPrivilege account that gets them access to exclusive deals, lounge access and so much more.

Times Card

Times Card is a co-branded credit card offering that wants to add more happiness and excitement to your day-to-day life. The card offers exclusive benefits on your spend on lifestyle activities such as movies and dining.


PAYBACK is one of India’s largest multi-brand loyalty programs running across 50+ partner brands. The diverse portfolio of partner brands spans daily shopping needs, making it possible for members to cover 80 percent of their everyday consumption needs. They have also extended their benefits to the corporate sector through the PAYBACK Corporate Rewards Program.

Citi Rewards

For every payment made with Citi Credit Card at retail outlets, online shopping sites, petrol stations, travel and hotel bookings, customers earn rewards points. They can then transfer their points to frequent flyer programs and avail benefits for attractive travel options, premium merchandise and much more.

(TimesPoints is a program by Times Internet Ltd, publisher of this website.)



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