Loyalty Market Size & Forecast by Spend Value Across 100+ KPIs by Program Type, Channel Mix, Sector, Embedded Loyalty Penetration, and Platform Spend Segmentation - Databook Q1 2026 Update

The global loyalty market is expected to grow by 15.7% annually, reaching US$93.2 billion by 2026.

The market has experienced robust growth during 2021-2025, achieving a CAGR of 17.8%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 13.3% from 2026 to 2030. By the end of 2030, the loyalty market is projected to expand from its 2025 value of US$80.5 billion to approximately US$153.7 billion.

Key Trends and Drivers

• Embed loyalty into everyday payment flows so earning/redemption becomes “default.”
• Loyalty is being designed into how customers pay, not something they manage separately (wallet rails, co-branded cards, pay-with-points at checkout).
• Mexico: FEMSA’s Spin by OXXO ecosystem positions Spin Premia as a rewards layer tied to wallet usage and OXXO commerce flows, reinforcing loyalty as part of routine transactions rather than a standalone scheme.
• UAE: ADNOC Distribution, FAB, and Mastercard launched the ADNOC Rewards Credit Card, directly integrating card earn with ADNOC Rewards redemption across ADNOC’s mobility and convenience footprint.
• Switzerland: Coop Supercard continues to promote “pay with points” mechanics (e.g., time-bound pay-with-points campaigns), effectively treating points as tender at checkout.
• Retailers and ecosystems are trying to reduce “separate loyalty app” friction by attaching rewards to high-frequency payment moments (in-store, top-ups, fuel, convenience, grocery). This also improves attribution: when loyalty is tied to payment rails, operators can connect incentives to observed spend and repeat behavior more reliably.
• Expect more loyalty programs to move toward utility-led loyalty (wallet/card-first, instant redemption paths, fewer steps to earn/burn). Co-branded cards and in-app payment integrations will become a primary battleground in markets with high card penetration (e.g., UAE) and in markets where wallets bridge offline-to-online behavior (e.g., Mexico).

Use loyalty as a pricing mechanism as consumers anchor on “member-only” value

• Loyalty is increasingly tied to member pricing (access to prices/discounts gated behind enrollment), especially in grocery and mass retail.
• United Kingdom: The UK competition watchdog reviewed supermarket loyalty pricing and concluded that loyalty prices generally represented real savings compared with “usual” prices, validating member pricing as a mainstream commercial lever rather than a niche perk.
• Retailers are also formalizing member pricing in core reporting and communications, reflecting its growing centrality to the value proposition.
• Persistent price sensitivity has made “always-on” value (member prices, personalized offers) more effective than occasional points promotions. Retailers benefit because member pricing increases sign-ups, improves repeat purchases, and strengthens first-party identification for omnichannel measurement and targeting.
• Member pricing will likely intensify and become more targeted (household- and mission-based offers), increasing competitive pressure on retailers that cannot fund or operationalize frequent price benefits. Regulators and consumer bodies will continue to scrutinize how “usual” prices are framed, so programs will need clearer guardrails and disclosure practices.

Monetize loyalty identity and first-party data through retail media networks

• Retailers are using loyalty-linked data to sell closed-loop advertising (retail media), positioning loyalty enrollment as the foundation for measurable audience targeting and attribution.
• UK: Tesco’s ecosystem highlights how Clubcard-based insights and retailer-owned inventory underpin Tesco Media's brand propositions.
• France & Spain: Partnerships around Carrefour / Unlimitail and media operators show retail media expanding into in-store and mall environments, extending monetization beyond ecommerce.
• US: Walmart Connect continues to frame its offering around first-party data and measurable outcomes for advertisers, reinforcing the global direction of travel.
• As third-party cookies weaken, brands are reallocating spend to channels where they can target shoppers and measure sales impact using deterministic retailer IDs (often loyalty-linked). Retailers are motivated because retail media adds a high-margin revenue line while loyalty improves identity resolution and measurement.
• Retail media will increasingly shape loyalty design: expect more features that encourage authenticated shopping (app usage, digital receipts, linked payment, omnichannel accounts). More cross-market alliances (e.g., retail, mall owners, and media operators) will emerge to scale reach, especially in Europe.

Harden loyalty against fraud and cyber risk as points become financially meaningful

• Operators are adding controls and consumer-facing security features as loyalty accounts face increasing fraud attempts (account takeover, redemption abuse, phishing).
• UK: Sainsbury’s added a Nectar “Spend Lock” feature to help prevent unauthorized redemption, reflecting how mainstream points theft has become.
• Australia: The Qantas cyber incident and subsequent scam warnings show how loyalty identifiers (e.g., frequent flyer numbers) can be incorporated into broader attack and impersonation patterns even when passwords/payment data are not compromised.
• As points are easier to redeem digitally and can be converted into high-demand benefits, they attract the same threat models as financial accounts. Large ecosystems are also under pressure to demonstrate strong consumer protection and incident response practices when customer identifiers are exposed.
• Expect broader rollout of security-by-default: spend locks, stronger authentication, redemption controls, anomaly detection, and faster customer recovery workflows. Programs that cannot prove resilience may see engagement drag (customers reduce stored value/points balances or disengage from digital redemption).

Competitive Landscape

Shift from fragmented programs to fewer, interoperable ecosystems. Expect more stack consolidation (platforms buying loyalty capabilities) and more activation partnerships (retail media, commerce tools, payments) because distribution and measurement are now central advantages. Competitive pressure will increase on standalone programs that cannot link loyalty to payments, media monetization, or end-to-end customer journeys.

Current State of the Market

• Global loyalty is increasingly shaped by large ecosystems (retailers, marketplaces, airlines, restaurants, and payments) that use loyalty to steer repeat purchases, channel choice, and payment preferences.
• Competitive intensity is highest where loyalty connects to commerce media (retail media), payments/wallets, and subscription bundles, because these players can fund benefits and measure outcomes via first-party identity.

Key Players and New Entrants

Scale players set the pace; software consolidators widen the field.

• Retailers & retail media operators (e.g., Tesco Media) use loyalty-linked identity to sell measurable ad inventory, raising the bar for smaller merchants.
• Martech and data platforms are moving toward “loyalty, messaging, and identity” stacks, aiming to own a larger share of the customer engagement workflow.
• Restaurant and hospitality commerce platforms are embedding loyalty as a core module rather than a bolt-on.

Recent Launches, Mergers, and Acquisitions

Consolidate loyalty tech stacks and tighten activation partnerships.

• Olo acquired Spendgo to add an integrated loyalty capability for restaurant brands, an example of loyalty being pulled into operating platforms that already run ordering and guest engagement.
• Zeta Global agreed to acquire Marigold’s enterprise business (reported Sep 2025), including Marigold’s Loyalty brand, showing consolidation in enterprise loyalty + messaging tooling.
• Skai partnered with Tesco Media to enable campaign activation via an external commerce-media platform, illustrating how “loyalty identity” increasingly connects to ad execution layers.
• India: Zaggle announced board approval to acquire Greenedge Enterprises (Sep 2025), reinforcing continued deal activity among loyalty solution providers.

This report provides a detailed data-centric analysis of the loyalty industry in Global, offering comprehensive coverage of both overall and alternative lending markets. It covers more than 100+ KPIs, including spend value on loyalty schemes, loyalty breakage rate, and penetration rate.

The report provides in-depth segmentation across the loyalty ecosystem, capturing loyalty spend value and breaking it down by core market dimensions. It classifies loyalty activity by program models (such as points, cashback, tiered, subscription, coalition, and gamified formats), membership structures, and execution channels (in-store, online, and mobile app), alongside embedded loyalty use cases integrated into payments, commerce, and platform ecosystems. The analysis further segments the market by industry verticals and assesses technology enablement, including AI-driven personalisation and emerging blockchain-led program mechanics. In addition, the dataset captures consumer demographics, enrolment pathways, and key program economics such as value accumulation, redemption, and breakage. Collectively, these datasets provide a comprehensive and quantifiable view of market size, structure, engagement behaviour, and value realisation dynamics within the loyalty market.

The research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to deliver a detailed view of market performance, structural trends, and growth dynamics across the loyalty ecosystem, covering loyalty spend value, consumer engagement patterns, and channel execution.

This title is a bundled offering, combining the following 21 reports, covering 1600+ tables and 2000+ figures:

• Global Loyalty Market Business and Investment Opportunities Databook
• Argentina Loyalty Market Business and Investment Opportunities Databook
• Australia Loyalty Market Business and Investment Opportunities Databook
• Brazil Loyalty Market Business and Investment Opportunities Databook
• Canada Loyalty Market Business and Investment Opportunities Databook
• China Loyalty Market Business and Investment Opportunities Databook
• France Loyalty Market Business and Investment Opportunities Databook
• Germany Loyalty Market Business and Investment Opportunities Databook
• India Loyalty Market Business and Investment Opportunities Databook
• Indonesia Loyalty Market Business and Investment Opportunities Databook
• Italy Loyalty Market Business and Investment Opportunities Databook
• Kenya Loyalty Market Business and Investment Opportunities Databook
• Mexico Loyalty Market Business and Investment Opportunities Databook
• Nigeria Loyalty Market Business and Investment Opportunities Databook
• Philippines Loyalty Market Business and Investment Opportunities Databook
• Russia Loyalty Market Business and Investment Opportunities Databook
• South Africa Loyalty Market Business and Investment Opportunities Databook
• Thailand Loyalty Market Business and Investment Opportunities Databook
• United Arab Emirates Loyalty Market Business and Investment Opportunities Databook
• United Kingdom Loyalty Market Business and Investment Opportunities Databook
• United States Loyalty Market Business and Investment Opportunities Databook

Report Scope

This report provides a detailed data-centric analysis of the loyalty industry, with comprehensive coverage across retail-sector context, loyalty spend dynamics, and loyalty platform economics. Below is a summary of key market segments:

Retail Sector Market Context

• Retail Industry Market Size, 2021-2030
• Ecommerce Market Size, 2021-2030
• POS Market Size Trend Analysis, 2021-2030

Loyalty Spend Market Size and Growth Dynamics

• Loyalty Spend Market Size and Future Growth Dynamics, 2021-2030
• Loyalty Spend on Schemes by Value Accumulated and Value Redemption Rate, 2025
• Loyalty Spend Share by Functional Domains, 2021-2030
• Loyalty Spend by Loyalty Schemes, 2021-2030
• Loyalty Spend by Loyalty Platforms, 2021-2030

Loyalty Schemes Spend Segmentation by Loyalty Program Type

• Point-based Loyalty Program
• Tiered Loyalty Program
• Mission-driven Loyalty Program
• Spend-based Loyalty Program
• Gaming Loyalty Program
• Free Perks Loyalty Program
• Subscription Loyalty Program
• Community Loyalty Program
• Refer a Friend Loyalty Program
• Paid Loyalty Program
• Cashback Loyalty Program

Loyalty Schemes Spend Segmentation by Channel

• In-Store
• Online
• Mobile

Loyalty Schemes Spend Segmentation by Business Model

• Seller Driven
• Payment Instrument Driven
• Other Segment

Loyalty Schemes Spend Segmentation by Key Sectors

• Retail
• Financial Services
• Healthcare & Wellness
• Restaurants & Food Delivery
• Travel & Hospitality (Cabs, Hotels, Airlines)
• Telecoms
• Media & Entertainment
• Other

Sector × Channel Views: Loyalty Schemes Spend by Key Sectors and Channels

• Online Loyalty Spend by Sector, 2021-2030
• In-store Loyalty Spend by Sector, 2021-2030
• Mobile App Loyalty Spend by Sector, 2021-2030

Retail Sector Deep-Dive: Loyalty Schemes Spend by Retail Segment

• Diversified Retailers
• Department Stores
• Specialty Stores
• Supermarket and Convenience Store
• Other

Loyalty Schemes Spend Segmentation by Accessibility

• Card Based Access
• Digital Access

Loyalty Schemes Spend Segmentation by Consumer Type

• B2B Consumers
• B2C Consumers

Loyalty Schemes Spend Segmentation by Membership Type

• Free
• Free + Premium
• Premium

Loyalty Spend Split by Embedded vs. Non-Embedded Loyalty

• Embedded Loyalty Programs
• Non-Embedded Loyalty Programs

Loyalty Spend Split by Use of AI / Blockchain

• AI Driven Loyalty Program
• Blockchain Driven Loyalty Program

Loyalty Platform Spend Segmentation by Software Use Case

• Analytics and AI Driven
• Management Platform

Loyalty Platform Spend Segmentation by Vendor / Solution Partner

• In-house
• Third-Party Vendor

Loyalty Platform Spend Segmentation by Deployment

• Cloud
• On-Premise

Loyalty Platform Spend Segmentation by Offering

• Software
• Services
• Custom Built Platform vs. Off the Shelf Platform

Consumer Demographics & Behaviour (Loyalty Spend Share), 2025

• Age Group
• Income Level
• Gender

Loyalty Program KPIs, Behavioral Metrics & Embedded, 2025

• Primary Loyalty Motivation Split Analysis
• Loyalty Program Breakage Rate Analysis
• Loyalty Program Enrollment Channel Mix Analysis
• Embedded Loyalty Penetration by Channel

Reasons to Buy

• Comprehensive Market Intelligence: Gain a comprehensive view of the loyalty market by quantifying total loyalty spend value and its composition across loyalty schemes and loyalty platforms, supported by retail context indicators to benchmark market scale, structure, and growth dynamics.
• Granular Loyalty Spend Coverage: Analyze loyalty spend value across loyalty schemes and loyalty platforms, supported by structured segmentation across program types (e.g., point-based, tiered, cashback, subscription, community, gaming, mission-driven, paid, and referral-led formats).
• Channel and Sector-Level Execution Insights: Evaluate how loyalty spend is distributed across in-store, online, and mobile channels, and across key verticals including Retail, Financial Services, Healthcare & Wellness, Restaurants & Food Delivery, Travel & Hospitality, Telecoms, and Media & Entertainment, with dedicated sector × channel views.
• Program Structure and Participation Mix: Understand how loyalty schemes differ by business model (seller-driven vs. payment-instrument-driven), accessibility (card-based vs. digital), consumer type (B2B vs. B2C), and membership type (free, premium, and free+premium), enabling more precise program design and competitive benchmarking.
• Embedded Loyalty and Emerging Mechanisms Tracking: Assess the evolution of embedded vs. non-embedded loyalty and track spend splits linked to program enablement, including AI-driven and blockchain-driven loyalty program spend where captured in the dataset.
• Platform Spend and Vendor/Deployment Benchmarking: Benchmark loyalty platform economics by software use case (analytics/AI-driven vs. management platforms), solution partner model (in-house vs. third-party), deployment (cloud vs. on-premise), and offering mix (software vs. services; custom-built vs. off-the-shelf).
• Consumer Demographics and Program KPI Lens: Access loyalty spend share by age, income, and gender, alongside decision-critical program KPIs such as loyalty penetration (% of retail sales under loyalty), primary motivation split, breakage rate, enrollment channel mix, and embedded loyalty penetration by channel.
• Decision-Ready Databook Format with 100+ KPIs: Leverage a structured dataset with historical and forecast coverage through 2030, designed for direct integration into market models, strategic planning, and executive presentations by retailers, platforms, payment providers, technology vendors, and investors.