Best Loyalty Programs in Argentina: Trends & Best Practices

Argentina’s loyalty market is growing at a rapid pace, driven by digital adoption, e-commerce expansion, and evolving consumer expectations. From retail giants to fintech innovators, Argentine businesses are finding creative ways to retain customers and build lasting relationships.

In this article, we explore the latest trends, highlight the top loyalty programs in Argentina, and share best practices to help your business succeed.

Trends & stats in Argentina’s loyalty market

The loyalty market in Argentina is projected to reach $1.23 billion by 2029, growing at a CAGR of 14.1% from 2025. Key drivers include:

• Digital & mobile adoption: Consumers increasingly interact with loyalty programs through mobile apps and digital wallets.
• Coalition programs: Collaborative loyalty initiatives, like Club Personal, let customers earn and redeem points across multiple partners.
• Sustainability & eco-conscious rewards: Programs like YPF Serviclub reward environmentally friendly purchases, attracting younger demographics.
• Tiered & personalized rewards: Companies use advanced analytics and AI to create tailored offers that improve engagement.

These trends highlight a shift from traditional point-based programs toward more flexible, personalized, and socially responsible loyalty strategies.

Top Loyalty Programs in Argentina

Here are some of the most influential loyalty programs currently operating in Argentina:

1. Mercado Libre – Mercado Puntos

Mercado Puntos is a tiered digital loyalty program embedded within the Mercado Libre ecosystem. Users earn points through purchases on Mercado Libre and engagement with Mercado Pago, unlocking benefits such as free shipping, exclusive discounts, and access to premium services (including streaming partnerships).

Key features: tier-based structure (higher spend = better benefits), integrated across e-commerce, payments, and subscriptions, and strong use of behavioral and transactional data

Why it works: Mercado Libre turns loyalty into a habit-forming ecosystem, keeping users inside its platform while continuously increasing lifetime value.

2. Cencosud – Jumbo Mas

Jumbo Mas is Cencosud’s flagship retail loyalty program, operating across major supermarket brands such as Jumbo and Disco. Customers earn points on everyday grocery purchases and receive targeted discounts, personalized coupons, and member-only promotions.

Key features: mass-market appeal with low barriers to entry, personalized offers based on shopping behavior, and strong in-store and digital integration

Why it works: in a highly price-sensitive economy, Jumbo Mas delivers immediate, tangible value, making loyalty relevant to frequent, everyday purchases.

3. Banco Galicia – Galicia Club / Quiero! Rewards

Galicia Club and Quiero! Rewards are Banco Galicia’s loyalty initiatives tied primarily to credit and debit card usage. Customers earn points on transactions, which can be redeemed for products, experiences, travel, and partner offers.

Key features: points-based rewards linked to financial behavior, broad partner marketplace, frequent bonus and multiplier campaigns.

Why it works: by embedding loyalty into daily spending, Banco Galicia transforms routine banking activity into a continuous engagement driver.

4. Banco Santander Río – Rewards & Cashback Programs

Banco Santander Río offers a mix of points-based rewards and cashback incentives, primarily linked to credit card usage. Promotions often focus on retail partnerships, installment plans, and short-term cashback boosts.

Key features: cashback-focused mechanics for instant value, strong retail and lifestyle partnerships, and seasonal and campaign-based incentives.

Why it works: immediate rewards like cashback resonate strongly with Argentine consumers, reinforcing short-term satisfaction while driving long-term card loyalty.

5. YPF Serviclub

YPF Serviclub is one of Argentina’s most established loyalty programs, rewarding customers for fuel purchases and services at YPF stations. In recent years, it has evolved to include eco-friendly rewards and sustainability-linked incentives.

Key features: large national footprint and high-frequency use, partnerships beyond fuel (retail, services, experiences), and growing focus on sustainability and green rewards.

Why it works: YPF Serviclub combines daily utility with purpose-driven rewards, positioning sustainability as a differentiator rather than a cost.

6. Club Personal (Telecom Argentina)

Club Personal is a coalition loyalty program operated by Telecom Argentina. Users earn points through telecom services and partner brands, redeemable across categories such as retail, entertainment, travel, and dining.

Key features: multi-partner, cross-industry earning and redemption, high perceived value through reward flexibility, and strong digital and app-based experience.

Why it works: coalition models like Club Personal win by offering choice and convenience, allowing customers to benefit from loyalty beyond a single brand.

Best practices for loyalty programs in Argentina

Leveraging insights from leading loyalty programs, here’s how brands can maximize customer engagement:

1. Personalize rewards: Use transactional and behavioral data to deliver relevant offers. A truly modular event-based platform makes it easy to track interactions and trigger personalized campaigns in real-time.
2. Integrate across channels: Seamless experiences across mobile, web, and in-store increase engagement. WLL supports multi-channel integration, allowing customers to earn and redeem points wherever they interact.
3. Enable coalition programs: Partner with complementary brands to expand earning and redemption opportunities, without complex IT integration.
4. Incorporate sustainability & CSR initiatives: Eco-rewards or charitable contributions enhance brand reputation and engagement.
5. Measure & optimize engagement: Regularly track KPIs like redemption rate, repeat purchase frequency, and ROI per campaign. WLL provides advanced reporting and analytics to continuously optimize your loyalty strategy.