Heat Map
LR
Combined memberships90.2M+12% YoY
Est. market valueR25.4B+15% CAGR
Consumer participation82%+5pp
Avg redemption rate87.5%+8pp
Programs tracked158 issuers

Comparative Heat Map

15 programs × 15 dimensions. Hover any cell for the score.

ProgramMembersRedemptionEngagementDigital MaturityPartnersUXInnovationBehavioural EconESGCustomer SatGrowth RateMarket SharePartnership DepthPersonalisationValue
Discovery VitalityInsurance
20
92
94
98
90
92
96
98
88
85
70
23
90
92
95
FNB eBucksBanking
77
96
88
95
75
88
85
75
60
78
72
88
80
82
90
Discovery Bank MilesInsurance
12
88
86
96
68
88
92
85
78
83
85
14
75
88
86
Capitec Live BetterBanking
65
94
82
92
40
85
80
70
55
82
95
74
55
78
82
Checkers Xtra SavingsRetail
43
95
78
86
30
82
85
75
62
79
92
43
58
82
80
Clicks ClubCardRetail
100
98
80
78
35
80
72
68
65
80
55
100
65
70
78
Woolworths WRewardsRetail
20
92
76
88
45
85
78
70
75
82
65
20
68
80
78
Absa RewardsBanking
32
85
75
88
78
74
68
62
74
76
60
37
85
72
75
Discovery NexusInsurance
3
80
72
94
35
80
90
75
70
78
90
3
60
80
72
Pick n Pay Smart ShopperRetail
96
90
72
82
80
74
70
65
60
68
58
95
80
68
72
MySchool MyVillage MyPlanetSocial
11
100
62
72
100
68
60
55
95
78
40
11
85
55
70
Dis-Chem Benefit CardRetail
13
88
70
76
40
76
65
60
68
75
55
13
62
58
68
Standard Bank UCountBanking
20
72
68
85
60
70
68
62
58
70
50
23
72
62
65
Nedbank GreenbacksBanking
18
78
65
80
55
72
65
60
70
72
45
21
70
60
62
SAA VoyagerAirline
2
65
55
70
50
60
50
45
50
60
30
2
55
45
50
Scale
Low
Below Avg
Average
Above Avg
High
Excellent
Auto-generated insights

Pattern Insights

  • · Retail programs dominate in membership volume (52% share) but underperform in digital integration and innovation. Banking programs lead in technology adoption.
  • · Discovery Vitality is the outlier in behavioural economics (95/100), 40+ points above the next program — a sustained competitive moat.
  • · ESG scores are universally low (avg 38/100), representing a significant opportunity for differentiation. Only Discovery and MySchool score above 50.