Solution

Bank loyalty program

A 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
A woman redeeming a digital café voucher from her banking app at the counter while the barista hands her a latte, with the Kuala Lumpur skyline outside

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.

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.

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 end

02

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 insurers

03

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 desk

How 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.

Cardholder points simulator

Set a cardholder’s monthly card spend and earn rate, then redeem vouchers from the catalogue.

Earn rate
Points earned7,500Card spend × months × earn rate

Digital voucher catalogue Illustrative

  • RM10CAFÉ
    RM10 café voucher1,500 pts
  • RM15RIDES
    RM15 e-hailing voucher2,200 pts
  • RM20GROCERIES
    RM20 grocery voucher3,000 pts
  • RM30DINING
    RM30 dining voucher4,500 pts
  • 2 FOR 1CINEMA
    2 movie tickets6,000 pts
  • RM50WELLNESS
    RM50 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

pts

RM20

GROCERIES

RM20 Grocery Voucher

3,000

pts

RM50

PLATINUM ONLY

Platinum Dining (Platinum only)

6,000

pts

2 FOR 1

CINEMA

2 Movie Tickets

6,000

pts

Retail 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.

Book a consultation

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

Pixalink Your bank or fintech
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

No

Outside the scope

Enterprise engagement

How does a banking loyalty project run?

  1. Goals, card portfolio, existing rewards and constraints.

  2. Eligibility, earn rules, data flows and who owns what.

  3. Transactions by API, customers by bulk import, webhooks and SSO.

  4. Code pools, point prices and distribution rules.

  5. 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.

Book a consultation

FAQ

Bank loyalty program questions

Still deciding? Talk to our team or browse all features.

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.

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.