Carrefour operates more than 14,000 stores across 30 countries — loyalty is the thread that connects them all.
Quick Answer Carrefour runs Club Carrefour in Europe and MyCLUB in the Middle East. Both programs keep shoppers coming back through personal offers, tiered cashback, and mobile wallet passes. In Spain, the program sits in one of every two homes. Mobile wallet users spend 34% more per visit. This playbook covers the five tactics behind those numbers. It also shows what any multi-channel retailer can copy today — without a big budget.
What is the Carrefour loyalty program? The Carrefour loyalty program rewards shoppers with points, cashback, and personal discounts. It goes by different names in different markets. In France and Spain, it is Club Carrefour. In the UAE and Saudi Arabia, it is MyCLUB. Every version runs on the same core: first-party data, personal offers, and a single digital card that works across every store type and channel.
This playbook draws on Carrefour's 2026 strategic plan, MMA case study data, Deloitte's 2025 Consumer Loyalty Survey, and Carrefour's own program disclosures.
1. What Carrefour's loyalty program looks like
Carrefour runs more than 14,000 stores in 30 countries. Its loyalty program covers every format: big hypermarkets, local supermarkets, convenience shops, and online.
In France, Club Carrefour has 14 million card holders. In Spain, it is the largest retail loyalty program in the country. It sits in one of every two Spanish homes, with 9.4 million members. Across the Middle East, MyCLUB ranks in the top three retail loyalty programs, alongside Air Miles ME and STC Qitaf.
This is not one program. It is a loyalty system built for many markets and run on one data engine.
Carrefour's 2026 plan has a clear goal: grow its active digital customer base from 11% to 30% of all shoppers. The reason is simple. Shoppers who use Carrefour online spend 27% more after two years. They also stay at a 97% rate. That is far higher than in-store-only shoppers.
Loyalty turns a one-time visitor into a regular.
Deloitte's 2025 Consumer Loyalty Survey found that 72% of shoppers say loyalty programs make them spend more with a brand. More than half say they spend more because of the program. Carrefour is not running a rewards card. It is running a system that keeps revenue growing.
2. The 5 tactics that keep customers coming back
How does the Club Carrefour points system work?
Members earn cashback on every purchase. The cashback loads onto a digital card. It works like a gift card — spend it in-store or online.
The program also runs bonus cashback days. Shop above a set amount on a set day and extra cashback loads right away. These days fill slow periods. They reward top spenders without running a permanent discount.
How does the Carte PASS tier work?
Carte PASS is a branded credit card. It gives members a second, higher tier in the program. Holders get 15% off Carrefour own-brand products on select days. That benefit was updated in January 2025. They also get a fast checkout lane and weekly cashback perks.
This tier works because it locks members into the Carrefour payment system. Shoppers who pay with Carte PASS are harder to lose. Points alone do not create that kind of tie.
How does MyCLUB work in the Middle East?
MyCLUB runs on a mobile app in the UAE and Saudi Arabia. Members earn points per purchase and redeem them for discounts. The app also sends personal coupons based on each member's shopping history. Some orders get free delivery.
More than 90% of people in both markets own a smartphone. Carrefour built MyCLUB as a mobile program first. It did not add mobile later. That choice made it far easier for shoppers to join and stay active.
How does Carrefour use AI loyalty challenges?
Carrefour's MyClub program uses AI to set a personal goal for each member. It reads their past purchases and picks a target that fits. Hit the goal. Get the reward.
This is the shift from generic loyalty to personal loyalty. One offer sent to all shoppers tells them you do not know them. A personal challenge tells them you do. McKinsey found that personal offers drive a 5 to 15% rise in revenue. The best-run programs do even better. Carrefour sits at the top end.
How do mobile wallet passes drive repeat visits?
Carrefour moved its loyalty cards into Apple Wallet and Google Wallet. The result: a 34% rise in spend among wallet users. Nearly 1 in 5 purchases came from new members who joined through the wallet.
The reason is simple. A wallet card lives on the customer's phone. It cannot be lost or left at home. Push alerts go straight to the lock screen. They get opened 90% of the time. Email gets 20%.
That gap is not small. It changes the whole game.
Carrefour's switch to mobile wallet loyalty cards drove a 34% lift in average order value. Source: Badge × Carrefour case study.
3. How Carrefour turns data into revenue
Most retailers store loyalty data. Carrefour sells it.
Through Carrefour Links, the company collects purchase data from stores and online. It then sells ad space to brands — on its website, in its app, on in-store screens, and inside loyalty campaigns.
This is retail media. It is one of the highest-margin lines in retail today.
The loyalty card is the front door. The data behind it is the business.
This is the part most small retailers miss. You do not need a media network to use your loyalty data well. You can cut wasted discounts. You can spot your top 10% of customers before they go quiet. You can send the right offer to the right person instead of the same deal to everyone.
Deloitte found that 80% of shoppers prefer brands that offer personal deals. Those shoppers spend 50% more. That is the case for using loyalty data as a growth tool — not just a CRM task.
Carrefour also built sub-groups within Club Carrefour. Each group has a brand voice. Each serves a specific type of shopper: health-focused, budget-focused, organic buyers. A sub-group builds real connection. A mass program never can.
4. What Carrefour got wrong, and how they fixed it
Carrefour France lost 150,000 loyalty members in one year. That is a big loss.
Two things caused it. First, a new law cut discounts on food, health, and beauty products. That made the program feel less useful overnight. Second — and this is the key lesson — Carrefour ran different rules in different store types.
A member got 10% off produce in a supermarket. Not in a hypermarket. Not online.
Shoppers noticed. They left.
The fix was simple: one program for all formats. Club Carrefour launched in France in January 2025. It set the same rules in every store and online. The target was 500,000 new members. The root cause of the loss was gone.
This is the biggest lesson in Carrefour's story.
A broken loyalty program is worse than no program at all. If your stamp card does not match your online account, you have two broken systems, not one working one. Shoppers see the gap. They lose trust. Then they stop coming.
Consistency is not optional. It is the whole point.
5. The LoyaltyPass RETAIN Framework
We built the RETAIN Framework by studying how Carrefour and other top retailers run their programs. It covers the six choices every multi-channel business needs to make.
| RETAIN Pillar | What it means | What Carrefour does | What you can do |
|---|---|---|---|
| R — Reach | How do shoppers join? | Free signup in-store, online, or in the app | QR code at the till, SMS link, email embed |
| E — Earn | How do shoppers build value? | Points per purchase and bonus cashback days | Points, stamps, or a spend threshold |
| T — Tiers | Is there a reason to spend more? | Standard member vs. Carte PASS holder | One card now, a VIP tier as you grow |
| A — Activation | How do you bring quiet shoppers back? | AI challenges, personal micro-offers | Push alert to members who have not visited in 30 days |
| I — Integration | Does it work on every channel? | Same card across all store types and online | Wallet pass with one live balance, in-store and online |
| N — Nuance | Does it feel personal? | AI goals, sub-groups by shopper type | Group by visit rate, spend level, or last visit date |
Check your own program against each row. Any gap you find is costing you repeat visits.
Carrefour's 150,000-member loss came from a failure in the I row. One table. Six rows. That is the whole game.
Carrefour runs the same loyalty program across hypermarkets, supermarkets, convenience stores, and online. Source: Carrefour.
6. How to launch your own version on a small budget
Carrefour built its loyalty system over years. You do not need to.
The core of what makes it work is not the scale. It is the tools: a card on the customer's phone, personal push alerts, live point updates, and the same balance across every channel. All of that is available today.
We built LoyaltyPass for this. Any multi-channel retailer can go live in under 10 minutes. No dev team. No new hardware. No app for your shoppers to download.
With LoyaltyPass, you can:
- Create a digital loyalty card in Apple Wallet and Google Wallet in under 10 minutes
- Send push alerts to the lock screen — no email open rate problem
- Group shoppers by visit rate, spend level, or days since last visit
- Set a geofence so your card pops up when a shopper walks past your store
- Track visits, reward use, and customer value from one dashboard
Carrefour uses loyalty data to fund a media business. You can use yours to fill a slow Tuesday, win back a lost customer, or cut the deals that nobody ever uses.
The gap between what Carrefour does and what you can do today is smaller than ever.
