Sparkle
Loyalty
Our way of rewarding all sparklers for payments and activities performed in app, in stores or online using your Sparkle card.
Experience the Sparkle loyalty tokens and access other redeemable offers that suit your lifestyle.
Redeem your Sparkle tokens and loyalty points on the app and for goods and services at our partner websites and locations.
Get rewarded for everyday activities like stash balances, bills payments, referring friends, sending payment links, scheduling payments, splitting bills and so much more. And what beats being able to share Loyalty points with other Sparklers? Experience Sparkle.
Sparkle Loyalty Level
Trust
Sparkle Tokens
1000pts
Move up Sparkle loyalty levels for more points and bigger offers
As you do more on your app, we'll reward you by moving you to higher levels where you enjoy bigger loyalty points and tokens.
On each level, you get a badge and more points for the same activity. Start using your Sparkle account to move up the ladder
Sparkle Loyalty Levels
Sparkle loyalty offers exciting benefits for all Sparklers. Points are categorized based on your Sparkle Loyalty Level.
Trust
You acquire the spark to take you to the next level in your finances
- Open a Sparkle Account
Transparency
Adopt a new lifestyle that shows credibility and accountability
- 3 months average deposits balance of ₦20,000
- 3 months average stash balance of ₦10,000
Simplicity
That ease to shine so that everyone adores you
- 3 months average deposits balance of ₦50,000
- 3 months average stash balance of ₦20,000
- 5 - 10 referrals
- 1 active physical card
Freedom
And the liberty to be an Advocate and a true Sparkler
- 3 months average deposits balance of ₦250,000
- 3 months average stash balance of ₦100,000
- 10 Referrals
- 1 active physical card
- Active Sparkle Business account
- Sparkle Business Subscription Service
How to get Sparkle Loyalty Tokens
You can get discounts off specific merchants in exchange for points as well as turn points into cash for your in-app payments. Not only that, loyalty points can also be traded with other Sparklers. The frequency of your activities will determine how many points you’re rewarded with per activity.
| Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account | |
|---|---|---|
| ₦ 20,000 | 2.50pts - 20pts | |
| ₦ 50,000 | 6.250pts - 50pts | |
| ₦ 100,000 | 12.50pts - 100pts | |
| ₦ 250,000 | 31.25pts - 250pts | |
| ₦ 500,000 | 62.50pts - 500pts | |
| Above ₦ 500,000 | 93.75pts - 750pts |
| Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account | |
|---|---|---|
| ₦ 10,000 | 1.25pts - 10pts | |
| ₦ 20,000 | 2.50pts - 20pts | |
| ₦ 50,000 | 6.25 pts - 50pts | |
| ₦ 100,000 | 12.50pts - 100pts | |
| ₦ 250,000 | 31.25pts - 250pts | |
| ₦ 500,000 | 62.50pts - 500pts |
| Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account | ||
|---|---|---|---|
| ₦ 20,000 | Not Applicable | 6.25pts - 50pts | |
| Above ₦ 50,000 | Not Applicable | 12.50pts - 100pts | |
| Above ₦ 500,000 | 93.75 pts - 750pts | ||
| Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account | |
|---|---|---|
| 1 | 0.013pts - 0.1pts |
| Features | Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account |
|---|---|---|
| 1 | 4.594pts - 37pts |
| Features | Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account | |
|---|---|---|---|
| Business Susbcribers | 1 | Not Applicable | 31.25pts - 250pts |
| My Customers | 1 | Not Applicable | 0.125pts - 1pts |
| My Employees | 1 | Not Applicable | 0.125pts - 1pts |
| Features | Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account |
|---|---|---|
| Request Money | 1 | 0.125pts - 1pts |
| Payment Link | 1 | 0.125pts - 1.0pts |
| QR Payment | 1 | 0.125pts - 1.0pts |
| Scheduled Payment | 1 | 0.125pts - 1.0pts |
| Split Bill | 1 | 0.125pts - 1.0pts |
| Features | Reward Activities (volume & amount) | Points to be Earned Personal Account Business Account |
|---|---|---|
| Incoming from other banks | 1 | 0.021pts - 0.2pts |
| Transfer to other banks | 1 | 0.125pts - 1.0pts |
| Pay bills & airtime | 1 | 0.063pts - 0.5pts |
Deposits
You get at least 20pts, if you have 3 months average deposit of ₦20,000 and above. The higher your average deposit, the higher your tokens.
Stash Balance
You get 10pts and above, if you have 3 months average stash balance of ₦10,000 and above. The higher your average stash balance, the higher your tokens.
Card Transactions
You get tokens for every transactions you make either online or at various payments points using your physical cards.
Referrals
You get 30pts and above, for every qualified Sparkler you refer to the Sparkle Tribe.
Business Account
You get 250pts and above, if you open a Sparkle Business account.
Business Deposits
You get 50pts and above, if you have 3 months average deposit of ₦50,000 and above in your Sparkle Business account. The higher your average deposit the higher your tokens.
My Customers
You get tokens, if you add customers to your Sparkle Business account, using the Invoice feature.
My Employees
You get tokens for every employee on payroll you add on your Sparkle Business account.
Request Money
You get tokens for every successful payment using the payment request feature from your Sparkle account.
Sparkle Pay
You get tokens for every successful payment using the payment links from your Sparkle account.
QR Payment
You get tokens for every successful payment using the QR payment feature from your Sparkle account.
Scheduled Payment
You get tokens for every successful payment using the Scheduled payment feature from your Sparkle account.
Split Bills
You get tokens into your Sparkle account when you use the Split bill feature.
Bank Transfers
You get tokens for every successful payment from other banks into your Sparkle account.
Pay Bills & Airtime
You get tokens for every successful bill payment from your Sparkle account.
Be Part of Our Sparkle Tribe
Download the Sparkle App and open an account within minutes
