Editing Loyalty program (section)

===Europe===
* '''Austria''': The two largest loyalty programs in [[Austria]] are Payback and mo. JÖ was fully launched in 2019.
* '''Finland''': The two major retail coalitions with loyalty programs are the [[S-Group]] with their ''S-Etukortti'' card<ref>{{cite news
   |title=Etukortit Suomessa
   |url=http://www.hs.fi/talous/Asiantuntijat+Etukorttien+ker%C3%A4%C3%A4m%C3%A4+tieto+suomalaisista+on+hy%C3%B6dynt%C3%A4m%C3%A4t%C3%B6n+kultakaivos/a1411585767488
   |archive-url=https://wayback.archive-it.org/all/20171018170618/https://www.hs.fi/talous/art-2000002764112.html
   |url-status=dead
   |archive-date=18 October 2017
   |newspaper=Helsingin Sanomat |access-date=26 September 2014 |date=25 September 2014}}</ref>) and [[Kesko]] with ''K-Plussa'' (67%).
* '''Georgia''': [[Georgia (country)|Georgia]]'s biggest loyalty card program has been run by Universal Card Corporation since 2010 via [[Unicard|UNICARD]].
* '''Germany''': The largest loyalty program is Payback, launched in 2000.<ref>{{cite web
   |title=PAYBACK: Facts & Figures
   |url=http://www.payback.net/pl/en/about-payback/facts-figures
   |access-date=2 November 2016 |archive-url=https://web.archive.org/web/20161104110632/http://www.payback.net/pl/en/about-payback/facts-figures/|archive-date=4 November 2016|url-status=dead}}</ref><ref name=Germ2007>{{cite web|publisher=Loyalty Partner |title=Studien |url=http://www.loyaltypartner.com/presse/studien/#c390 |archive-url=https://web.archive.org/web/20080214165523/http://www.loyaltypartner.com/presse/studien/ |url-status=dead |archive-date=14 February 2008 |access-date=15 May 2008 }}</ref> {{interlanguage link|HappyDigits|de|HappyDigits}} and the Shell ClubSmart program are next in size.<ref name=Germ2007/> {{interlanguage link|DeutschlandCard|de|DeutschlandCard}} was launched by [[Arvato]] in 2008. HappyDigits was disbanded by 2010.
* '''Hungary''': SuperShop and Multipoint are their main loyalty programs.
* '''Italy''': After the exit of Nectar from the market in 2015, Payback is the most popular loyalty program.<ref>{{Cite web |last=Focus |first=Global Convenience Store |date=2021-02-01 |title=Principles, Promises and Challenges of Coalition Loyalty {{!}} Global C Store Focus |url=https://www.globalconveniencestorefocus.co.uk/features/principles-promises-and-challenges-of-coalition-loyalty/ |access-date=2024-01-22 |website=www.globalconveniencestorefocus.co.uk |language=en-GB}}</ref> Supermarkets Esselunga, Coop and Il Gigante also have loyalty programs.
* '''Latvia''': One of the largest loyalty programs in Latvia which is working as an operator for many merchants is Pins.{{Citation needed|date=July 2018}} Another is Walmoo
* '''Norway''': The largest Norwegian loyalty program is [[:no:Trumf (lojalitetskort)|Trumf]]. Trumf is a "brick and mortar" loyalty program owned by [[NorgesGruppen]], a grocery wholesaling group in Norway.<ref>{{Cite journal|last=Nesset, Erik |display-authors=etal |title=Building chain loyalty in grocery retailing by means of loyalty programs–A study of 'the Norwegian case'.|journal=Journal of Retailing and Consumer Services}}</ref> KickBack.no is one of the largest online loyalty programs and cashback sites in Norway. KickBack.no is owned by [[Schibsted|Schibsted Media Group]].
* '''Republic of Ireland''': [[Superquinn]] introduced its SuperClub loyalty card in 1993, the prototype for Europe. However, loyalty cards did not expand until 1997, when [[Tesco Ireland]] introduced its Clubcard scheme, shortly after its purchase of Power Supermarkets. [[SuperValu (Ireland)|SuperValu]] introduced their own loyalty club called Real Rewards. Others were: 
** During the late 1990s—[[Esso]] petrol program were: Tiger Miles, [[Maxol]], [[Texaco]] and [[Statoil]]. Increasing oil prices ended these in 2005.
** [[Game (retailer)|Game]], a major computer game and hardware retailer, which merged with [[Electronics Boutique]]'s programme.
** Rewards From Us To You, a hotel loyalty program
* '''Russia''': MALINA, "the largest multicorporate customer loyalty program in Russia,"<ref>{{cite web
      |title=MALINA program increases customer loyalty with Oracle
      |url=https://jet.su/en/press/news/12732
      |access-date=30 August 2020
      |archive-date=26 September 2020
      |archive-url=https://web.archive.org/web/20200926025628/https://jet.su/en/press/news/12732/
      |url-status=dead
      }}</ref> was launched in 2006 by Loyalty Partners Vostok.<ref>{{cite web
|title=The loyalty program "MALINA"
|url=https://rapporto.ru/en/services/mobile-advertising/programma_malina}}</ref><ref>{{cite web
   |title=Raiffeisenbank launches Malina loyalty credit card
   |url=https://thewisemarketer.com/headlines/raiffeisenbank-launches-malina-loyalty-credit-card-2
   |date=October 23, 2006}}</ref> Another is [[Mnogo.ru]].
* '''Switzerland''': Loyalty programs are popular in [[Switzerland]], with the two main supermarket chains, [[Migros]] and [[Coop (Switzerland)|Coop]] prominent.  The M-Cumulus card can be used at the Migros supermarkets, [[Ex Libris (bookshop)|Ex Libris]], SportXX, and other retailers. The Coop Supercard earns points on purchases at Coop and a variety of other associated stores. Other stores such as Interio, a furniture retailer, are also joining the market with loyalty cards and store-based incentivized credit cards.  The only coalition loyalty scheme in Switzerland is Bonus Card with a network of over 300 independent retail partners.<ref>[http://www.finaccord.com/uk/tables-of-contents_html/global-coalition-loyalty-programs.htm Finaccord List of Global Loyalty Programs.] {{Webarchive|url=https://web.archive.org/web/20181122143910/http://www.finaccord.com/uk/tables-of-contents_html/global-coalition-loyalty-programs.htm |date=22 November 2018 }} Retrieved 1 March 2016</ref> In recent years, online loyalty programs have also started to target the Swiss. First to make an offering in Switzerland was German-based Webmiles.  Claiming to be Switzerland's first online bonus program, Bonuspoints was launched in early 2008 and offers incentives for shopping at 70 different online stores.
* '''Turkey''': [[Pegasus Airlines]] has a loyalty program called Pegasus Plus which gives rewards for every flight. Passengers can spend reward points as a discount without waiting to cover a full flight. [[Turkish Airlines]] has a loyalty program called Miles&Smiles.
* '''United Kingdom''': ''Passcard'' (later renamed ''Passkey'') was in the early 1980s.<ref>{{Cite news
   |newspaper=The Herald |date=29 August 1989 |title=Reward for young Scots businessman
   |url=https://www.heraldscotland.com/news/12002112.reward-for-young-scots-businessman
   |access-date=19 July 2020}}</ref> [[Sainsbury's]] ''[[Homebase]] Spend and Save Card'' was another early 1980s loyalty card.<ref>{{cite news |url=https://www.theguardian.com/money/blog/2012/jul/26/how-loyal-are-you-to-your-reward-cards
|title=How loyal to your reward cards are you? |first=Rebecca |last=Smithers |date=26 July 2012 |access-date=22 November 2016 |newspaper=The Guardian}}</ref> A later program, [[Tesco]]'s ClubCard, was criticized for not offering value for money.<ref>{{cite news
   |newspaper=The Independent |date=13 August 2005
   |title=A trip to Alton Towers? That'll be £2,000, please
   |url=https://www.independent.co.uk/money/loans-credit/a-trip-to-alton-towers-thatll-be-1632000-please-502715.html}}</ref> ''[[The Economist]]'' suggested that the real benefit of loyalty cards to UK outlets is the massive [[marketing research]] database potential they offer.<ref>{{cite magazine |magazine=[[The Economist]]
   |title=How Tesco is changing Britain
   |date=4 August 2005 |access-date=25 July 2007
   |url=http://www.economist.com/world/europe/displayStory.cfm?story_id=4247169}}</ref> [[Morrisons]] is another program.<ref>{{Cite web
|url=http://www.morrisons.co.uk/Whats-New/Dont-miss-out-on-your-miles
|archive-url=https://web.archive.org/web/20121213040530/http://www.morrisons.co.uk/Whats-New/Dont-miss-out-on-your-miles
|url-status=dead |archive-date=2012-12-13|title=Morrisons Miles – Morrisons}}</ref> Many stores have kiosks that, with the cards, print vouchers that can be used at the till.<br />[[Safeway plc|Safeway's]] ABC Card was discontinued in 2000.<ref>{{cite news|title=Safeway scraps loyalty card|date=5 May 2000|work=BBC News|access-date=25 July 2007|url=http://news.bbc.co.uk/1/hi/business/735835.stm}}</ref> Maximiles<ref>{{cite web|title=Maximiles acquires ipoints to create Europe's no. 1 online coalition loyalty company
|date=19 July 2006 |publisher=E-consultancy |access-date=19 July 2006
|url=http://www.e-consultancy.com/news-blog/361397/maximiles-acquires-ipoints-to-create-europe-s-no-1-online-coalition-loyalty-company.html?keywords=loyalty
|archive-url=https://web.archive.org/web/20061020181600/http://www.e-consultancy.com/news-blog/361397/maximiles-acquires-ipoints-to-create-europe-s-no-1-online-coalition-loyalty-company.html?keywords=loyalty
|archive-date=20 October 2006 |url-status=dead}}</ref> is an online coalition program.<ref name=maxi>{{cite web|title=Brochure|access-date=17 August 2010|url=http://www.maximilesgroup.com/images/mxmpdf.pdf|publisher=Maximiles Group|url-status=dead|archive-url=https://web.archive.org/web/20100215170810/http://www.maximilesgroup.com/images/mxmpdf.pdf|archive-date=15 February 2010}}</ref><br />Formerly operated by [[British Airways]], [[Air Miles|Airmiles]] was rebranded in 2011 from Airmiles to Avios, with changes that caused members to pay taxes and fees on flights they used for redemption.<ref>{{Cite web|title = Avios rebrand causes backlash for AirMiles company|url = http://www.marketingweek.com/2011/09/02/avios-rebrand-causes-backlash-for-airmiles-company/|website = Marketing Week|access-date = 10 December 2015|first = Lara|last = O'Reilly| date=2 September 2011 }}</ref>

Co-operative Membership: the Co-op Group offers a 2% (previously 5%) refund to members on Co-op branded products with 2% also going to the cardholder's nominated charity. This is only available in Co-op Group stores.  It replaced the dividend benefit previously used. Other Co-op chains continue with the dividend scheme, e.g. Midcounties Co-operative. Many of these accept other Co-operative loyalty cards but generally without the same benefits. For instance Midcounties Co-operative accept Co-operative Group cards but there is no charity donation or cardholder refund.