Top-of-wallet is won daily
Every tap is a choice between cards. A visible points balance and a voucher within reach tip that choice your way.
Solution
Bank loyalty programA bank loyalty program that makes cardholders reach for your card first.
Pixalink runs the points and voucher engine behind your cards. Post transactions by API, let cardholders see points and redeem digital vouchers inside your banking app, and hand voucher management and distribution to us. Built for banks, digital banks, trading apps and insurers.
Points per transaction via API
Rewards mini program inside your app
Digital vouchers managed for you
Halia Bank Rewards
RM10 café voucher redeemed for 1,500 points. Show the code at the counter.
Points from card spend
+2,500 pts
Posted by API after settlement
Quick answer
What is a bank loyalty program?
A bank loyalty program rewards customers for using a bank’s cards and products, usually with points for every ringgit spent that can be redeemed for vouchers and perks. Pixalink powers the back end: your card system posts transactions by API, Pixalink issues points and manages digital vouchers, and cardholders see their points and redeem vouchers in a mini program inside your banking app.
Pixalink Sdn Bhd, Malaysia · Updated 8 November 2026
Banking Loyalty at a glance
For
Banks, card issuers, digital banks, trading apps, insurers
Points
Issued per transaction or event via REST API
Vouchers
Digital codes, including third-party code pools, claimed in store
In your app
Branded mini program with single sign-on
Integration
REST API, bulk import, signed webhooks, OpenID Connect
Engagement
Enterprise project scoped in consultation
Credit card rewards in Malaysia
Why do banks need a loyalty program now?
Payments are going digital fast, and cardholders carry more than one card. Rewards are how a bank earns the default spot in the wallet.
Digital payments keep growing
E-payments and contactless card use in Malaysia grew strongly in 2025, so there are more transactions to reward and more data to personalise.
Rewards drive card choice
Surveys of cardholders consistently place rewards among the leading reasons for choosing a card.
e-payment transactions in Malaysia in 2025, up 25%
18.4 billion
Bank Negara Malaysia, Annual Report 2025
contactless payments in 2025, up 20.3%
2 billion
Bank Negara Malaysia, Annual Report 2025
of consumers name rewards as the leading factor when choosing a credit card
58%
Marqeta, 2023 State of Credit (US survey)
Financial services loyalty program
How can a bank work with Pixalink?
Three engagement models, used alone or together. Each one is scoped with your team in a consultation.
01
Power your points back end
Keep your own app and brand. Your card or core system posts transactions to Pixalink by API; Pixalink runs the points ledger, rules, expiry and vouchers, and reports back through signed webhooks.
Best for
Banks and card issuers with an existing rewards front end02
Plug a mini program into your banking app
No loyalty solution yet? Open a branded rewards mini program inside your app with single sign-on. Cardholders see their points and redeem vouchers without a second login or a second app.
Best for
Smaller and digital banks, fintech and insurers03
Outsource voucher management
Hand Pixalink the digital voucher catalogue: import code pools, set point prices, distribute vouchers to cardholders by points or campaign, and validate redemptions.
Best for
Teams that want rewards without running a rewards deskHow it connects
How does Pixalink plug into a bank’s systems?
Your systems stay the source of truth. Pixalink sits between your card platform and your customers, keeping the points ledger and vouchers, and talking to both through documented APIs.
Core banking & card system
Your systems of record
Settled card transactions
Customer list (bulk import)
API & signed webhooks
Token or OAuth scopes
Issue points per transaction
Events back to your systems
Pixalink points & voucher engine
Ledger, rules, catalogue
Points, tiers, expiry
Voucher code pools, wallet credit
Mini program in your banking app
Single sign-on, your brand
See points and history
Redeem vouchers
Merchant redemption
Digital voucher, claimed in store
Show code or QR at the counter
Validated by API
Points per transaction API
Validate & redeem voucher API
Bulk customer import
Third-party voucher code pools
SSO mini program
Signed outbound webhooks
Wallet credit
OpenID Connect sign-in
Orange pulses: transactions and customers flowing in. Blue pulses: signed webhook events flowing back to your systems.
Interactive · points to vouchers
How do credit card points turn into vouchers?
Card spend earns points at the rate you set. Points buy digital vouchers from your catalogue, and the voucher code appears in the cardholder’s app, ready to show in store. Try it.
Digital voucher catalogue Illustrative
- RM10CAFÉRM10 café voucher1,500 pts
- RM15RIDESRM15 e-hailing voucher2,200 pts
- RM20GROCERIESRM20 grocery voucher3,000 pts
- RM30DININGRM30 dining voucher4,500 pts
- 2 FOR 1CINEMA2 movie tickets6,000 pts
- RM50WELLNESSRM50 wellness voucher7,500 pts
Pick a voucher the cardholder can afford.
Illustrative bank, rates and vouchers. Your bank sets the earn rules and point prices.
Banks, fintech and insurers
Who uses a bank loyalty program platform?
Four common set-ups. Illustrative brands; every programme is designed with your product and compliance teams.
Rewards Centre
12,480
pts.
|
0.00
cdts.
Reward Marketplace
My Rewards
Search rewards
RM10
CAFÉ
RM10 Café Voucher
1,500
ptsRM20
GROCERIES
RM20 Grocery Voucher
3,000
ptsRM50
PLATINUM ONLY
Platinum Dining (Platinum only)
6,000
pts2 FOR 1
CINEMA
2 Movie Tickets
6,000
ptsRetail bank · credit card loyalty program
Make your card the one they reach for first.
Post settled card transactions to Pixalink and points are issued under your rules. Card tiers can earn at different rates and unlock tier-only vouchers, and expiring points trigger a reminder before they lapse.
Points per transaction: issued by API after settlement.
Tier perks: points multipliers and Platinum-only vouchers.
Breakage control: point expiry with reminders by WhatsApp, email or push.
Mapping a rewards programme for your cards?
Book a consultation and we’ll sketch the integration, the catalogue and the responsibilities on each side.
Outsourced voucher management
Can Pixalink manage and distribute the vouchers?
Yes. Pixalink can run voucher management and distribution as part of an enterprise engagement: importing voucher code pools, pricing them in points, distributing them to cardholders based on points or campaigns, and validating redemptions in store.
Curated catalogue: a digital voucher catalogue sourced with partner merchants as part of the engagement, confirmed in consultation.
Your own partners too: import codes you already buy from third-party providers.
Digital only: vouchers are claimed in store with a code or QR. Pixalink does not ship physical items.
Incentivise usage: release vouchers as cardholders hit points milestones, to encourage card use.
RM10
CAFÉ
Digital code
RM20
GROCERIES
Digital code
RM15
RIDES
Digital code
RM30
DINING
Digital code
2 FOR 1
CINEMA
Digital code
RM50
WELLNESS
Digital code
Partner merchants
Code pools in Pixalink
Cardholders by points
Clear responsibilities
What does Pixalink run, and what stays with the bank?
A typical split. The final scope is agreed in the engagement.
Typical split of responsibilities between Pixalink and the bank
Points ledger, expiry and history
Runs it
Sends transactions or events
Earn rules and eligibility
Configures with you
Decides and approves
Digital voucher catalogue and code pools
Manages and distributes
Approves partners and budget
Cardholder experience
Mini program via SSO
Hosts the entry point in your app
Customer relationship and consent
Processes under agreement
Owns it
Events back to your systems
Signed webhooks
Consumes them
Physical gift fulfilment
Outside the scope
No
Enterprise engagement
How does a banking loyalty project run?
Goals, card portfolio, existing rewards and constraints.
Eligibility, earn rules, data flows and who owns what.
Transactions by API, customers by bulk import, webhooks and SSO.
Code pools, point prices and distribution rules.
Start with one card or segment, then roll out.
Ready to talk about your cardholders?
Tell us about your cards, app and customers. We’ll come back with an integration outline and next steps.
What is a bank loyalty program?
A programme that rewards customers for using a bank’s cards and products, usually with points per ringgit spent that can be redeemed for vouchers and perks. Pixalink provides the points and voucher engine, an in-app rewards mini program and voucher management.
How does a credit card loyalty program work with Pixalink?
Your card system posts settled transactions to the Pixalink API, which issues points under your earn rules. Cardholders see their balance and redeem digital vouchers in a mini program inside your banking app, and Pixalink sends signed webhook events back to your systems.
We are a smaller bank with no loyalty solution. Can we still offer rewards?
Yes. Add a button in your banking app that opens a branded Pixalink rewards mini program with single sign-on, so cardholders are logged in automatically. You do not need to build a rewards app.
Can Pixalink manage and distribute vouchers for us?
Yes, as an enterprise engagement. Pixalink can import voucher code pools, price them in points, distribute them to cardholders by points or campaign, and validate redemptions. Vouchers are digital and claimed in store; Pixalink does not fulfil physical items.
Does Pixalink have a ready marketplace of vouchers from other merchants?
There is no self-serve cross-brand marketplace. A curated digital voucher catalogue can be sourced with partner merchants as part of an enterprise engagement, and you can also import codes from your own voucher providers. We confirm the catalogue during consultation.
Can insurers and stock-trading apps use Pixalink?
Yes. Any financial service can post events, such as a renewal, a premium payment or a first deposit, through the API and reward customers with points or vouchers. Your compliance team approves the reward rules.
How is the integration secured?
API access uses tokens or OAuth scopes, outbound webhooks are signed so your systems can verify them, and the mini program opens through a short-lived signed SSO link. Pixalink can also act as an OpenID Connect sign-in provider.
Works well with
Building blocks behind Banking Loyalty.
Loyalty Points
Every ringgit earns a reason to return
Rewards & Vouchers
Vouchers staff can validate in one tap
Credit Wallet
Closed-loop wallet with bonus credit
Mini Program
Scan, join and start in seconds
Membership Tiers
Multipliers, tier-only rewards, invite-only tiers
Loyalty Analytics
Reports that drive daily decisions
See all 14 features
Ready when you are
Design your cardholder rewards with us.
In a consultation we map your card portfolio, integration and voucher catalogue, then propose a pilot.
