PROGRAM CARD - Inter Cars / Motointegrator (IC-Premia → Premia CASH)

Program name: IC-Premia / Premia CASH (Inter Cars)
Distinction: B2B cashback for aftermarket repair shops
Brand / operator: Inter Cars S.A.
Family / owner: Inter Cars Group (the largest automotive parts distributor in Central and Eastern Europe; a listed company, Warsaw Stock Exchange)
Industry: automotive and service
Model for the industry: yes
Market: PL (the Premia CASH program is run within the territory of Poland; B2C intercars.pl since 2023 - PL)
Related programs: B2C intercars.pl Loyalty Program (since 01.01.2023, separate terms, for retail customers); Motointegrator (a repair-shop booking platform - part of the ecosystem, not a points program)
Status: active
Legal / time status: no restrictions (the B2B Premia CASH program is in effect until further notice; the previous IC-Premia Cash variant ended on 31.08.2017 - participants were migrated to Premia CASH)
Launch year: 2005 (IC-Premia); 2014 (IC-Premia Cash); 2017 (Premia CASH - current formula); 2019 (Premia CASH mobile app)
Main type: B2B
Additional type: cashback
Enrollment cost: free (submitting an application + collecting the MultiCard)
Channels: in-store (Inter Cars branches) · online (intercars.pl store / Online Catalog) · mobile app (Premia CASH, Android and iOS)
Reach: no public data (Inter Cars serves tens of thousands of repair shops and distributors in Poland)

Comparative parameters (estimated ratings)

Implementation difficulty (1-5): 3 - a B2B points program integrated with the POS system (SAFO), multichannel, with several participant statuses, management of points liabilities and currency conversion rates
Main KPI (impact strength): share of wallet (high) - the goal is for repair shops and stores to choose Inter Cars as their primary supplier

Descriptive sections

0. Summary

IC-Premia, rebranded in 2017 as Premia CASH, is Inter Cars' B2B loyalty program aimed at repair shops, automotive stores, body shops and tire-fitting businesses. Participants collect points for purchases of parts and accessories across the Inter Cars network and then redeem them directly to reduce the invoice at the branch counter or in the online store - effectively a B2B cashback mechanism.

1. Objectives and context

The program aims to bind repair shops and distributors to Inter Cars as their primary supplier, to increase share of wallet in the competitive automotive aftermarket, and to reward loyalty through a tangible cash return. Inter Cars is listed on the Warsaw Stock Exchange and serves several tens of thousands of points of sale across CEE.

2. Target group

The program is aimed exclusively at B2B entities registered in the Inter Cars system: automotive repair shops, automotive stores, store-workshops, body shops, tire-fitting businesses and transport companies. Participants may be either sole proprietors or legal entities.

3. Architecture and type

Registration: the customer downloads an application for a MultiCard (premiacash.pl website, a branch or a sales representative), fills it in and submits it; after approval by Inter Cars the customer receives and activates the MultiCard (plastic or in the Premia CASH mobile app).
Points accrual: for every PLN 39 net spent on products at branches, a participant receives 1 point (Accrued Point). The point becomes active once payment is made (Active Point). During promotional campaigns, accrual may be several times higher.
Redemption: the participant presents the MultiCard or selects payment with points in the online store; 1 Active Point = PLN 0.01; points reduce the invoice value on subsequent purchases.

4. Earn & burn mechanics

Accrual: 1 point for every PLN 39 net of product value (excluding the "wheel" category); during promotional campaigns, a multiple of points for selected products or brands (outside the terms - under separate campaign terms)
Threshold and redemption: no minimum redemption threshold; active points can be redeemed for any amount on the next order; 1 point = PLN 0.01 of purchase value
Reward forms: a reduction in the invoice price for Inter Cars products (points cashback); no physical rewards catalog in the current Premia CASH formula (outside the terms - the original IC-Premia had a rewards catalog)
Points expiration: points expire 12 months after the accrual date; points for returned products are deducted

5. Emotional value

Inter Cars builds an identity as an aftermarket expert and business partner to repair shops, not merely a supplier. Premia CASH is part of a broader support system: technical training (Inter Cars Academy, e-Learning), workshop software (eSowa), the Q Service Castrol network, and the Motointegrator platform, which directs retail customers to trusted repair shops. Participation in the program signals belonging to a professional automotive-industry ecosystem.

6. Gamification

Promotional campaigns with a multiple of points for selected brands or products create a sense of purchase urgency and seasonal buying
Information about points accrued on an order (visible in the SAFO system during purchase) instantly visualizes the benefit
The ability to check the points balance in the Premia CASH app, the Online Catalog and at branches builds a habit of monitoring the account

7. Differentiation

Premia CASH stands out from typical B2B rebate programs through direct cashback redeemed at the branch counter or online - points work like a currency within the Inter Cars ecosystem. The program is coupled with a broad network of more than 200 branches in Poland, training and digital tools, which creates an exit barrier for repair shops deeply integrated with the IC purchasing system. The absence of a comparable ecosystem among competitors in Poland makes the program a market differentiator.

8. Data and personalization

The participant holds an individual customer number in the SAFO system; purchase and points history is recorded on the MultiCard account
Data required for registration: company details, correspondence address, e-mail; participant status (repair shop, store, body shop, etc.) affects accrual terms
Personalization of promotional campaigns based on the purchasing profile and customer status (outside the terms - SMS, e-mail, and banner communication upon price-list updates)

9. Technology

Premia CASH mobile app (Android / iOS) - a digital version of the MultiCard with the current points balance and a QR code for payment
SAFO system - Inter Cars' internal POS, points accrual upon invoice issuance
Online Catalog (icpremia.pl / premiacash.pl) - checking points and purchase history
Integration with intercars.pl - payment with points available at e-commerce checkout

10. Communication and lifecycle

Communication channels: SMS, e-mail, a pop-up banner upon price-list updates in the Online Catalog, POS materials at branches (posters, leaflets), information from salespeople and sales representatives
Onboarding: application through a sales representative or independently online; the MultiCard is sent by post or available immediately in the app; activation is required before points collection can begin
Retention: the 12-month points expiration window motivates regular purchases; seasonal campaigns create opportunities to reactivate inactive participants

11. Conclusion / inspiration for the almanac

Premia CASH is a textbook example of B2B cashback in distribution: a simple points-to-zloty conversion, no rewards catalog (which generated logistics costs), and redemption directly at the counter that removes the friction associated with exchanging rewards. The key takeaway: in B2B, loyalty is built by reducing the customer's costs, not through physical rewards - financial value is a sufficient motivator when the scale of purchases is high.

Sources: intercars.pl/program-lojalnosciowy (2025/2026); Premia CASH Terms (PDF, cdn.intercars.eu, 01.09.2017); MotoFocus.pl article on IC-Premia (2005, updated 2022); warsztat.pl article on IC Premia Cash (2014); intercars.com.pl/aplikacja-premia-cash (2019)
Terms (link): https://intercars.pl/articles/show/program-lojalnosciowy-regulamin
Entry compiled on: 2026-07-01

IC-Premia / Premia CASH (Inter Cars)