PROGRAM CARD - Mi Carrefour / Mój Carrefour (Carrefour card)

Program name: Mi Carrefour / Mój Carrefour (Carrefour card)
Distinction: multi-market points scheme with a local coalition
Brand / operator: Carrefour
Family / owner: Carrefour Group
Industry: grocery retail
Industry benchmark: no
Market: FR, ES, IT, PL, BE
Related programs: PAYBACK PL (coalition since 2024); Carte PASS FR (Mastercard credit card with loyalty benefits)
Status: active
Legal / time status: no restrictions
Launch year: 2019 (relaunch as MyClub; previously Carrefour Bonus Card)
Main type: points-based
Additional type: member-benefit
Enrollment cost: free
Channels: in-store / online / app
Reach: PL: declared reach of over 10 million customers; globally - no public data

Comparative parameters (estimated ratings)

Implementation difficulty (1-5): 3
Main KPI (impact strength): purchase frequency (medium)

Descriptive sections

0. Summary

Carrefour runs a multi-market loyalty program under local names (MyClub/Mój Carrefour) offering points for purchases redeemable for coupons and discount e-vouchers, complemented by personalized offers. In Poland, since May 2024, the program has integrated with the PAYBACK coalition, expanding the partner ecosystem and the possibilities for collecting and redeeming points.

1. Objectives and context

The program's goal is to increase purchase frequency and deepen customer loyalty in the highly competitive grocery market. Carrefour uses purchase data to personalize offers and - especially in Poland - to build long-term relationships with customers and suppliers through AI-supported big data analytics.

2. Target group

A broad base of customers making everyday grocery purchases: families and singles across many European countries (FR, ES, IT, PL, BE), shopping both in-store and online. In Poland, there is a separate Senior Card segment (60+) with dedicated discounts.

3. Architecture and type

Free registration online, in-store or in the mobile app (must be 18 or older); choice of a plastic card or a mobile card in the app.
Points accrual on every in-store and online purchase and on Carrefour's own-brand products; in PL - collecting PAYBACK points at all coalition partners.
Redemption of collected points for coupons / discount e-vouchers available in the app or at the checkout; in FR - additionally, direct discounts on the chain's own brands on dedicated days.
Access to personalized offers and coupons activated before purchase in the app.

4. Earn & burn mechanics

Accrual: 1 point per 1 EUR spent (per the MyClub model; local conversion rates may differ - no public data for each market individually); extra points for own-brand products and promotional campaigns; PL: PAYBACK points collected under the PAYBACK terms
Threshold and redemption: points redeemed for coupons / discount e-vouchers; PL (formerly the Rodzinka program): 600 pts → PLN 10 Reward e-coupon (the program in Carrefour Market stores ended on 25.05.2024; from 27.05.2024, PAYBACK rules apply); FR: points expire on 28 February each year
Reward forms: coupons / discount e-vouchers toward subsequent purchases; FR Carte PASS: 15% off Carrefour own-brand products on dedicated days (since January 2025, replacing the earlier "journées Carte PASS"); PL: Senior Card - up to 10% off every Tuesday and Thursday for those aged 60+
Points expiration: FR: points expire on 28 February each year; PL (PAYBACK): points valid for 3 years from the moment they are granted; other markets: no public data

5. Emotional value

The program focuses on tangible, everyday savings, without strongly building identity or status. A distinguishing feature is the Senior Card in Poland - a demographically targeted benefit that creates a sense of appreciation for older customers and regularly draws them to stores on specific days of the week.

6. Gamification

Personalized coupons activated before a store visit - a mechanism that builds the habit of regularly checking the app
Time-limited points campaigns (e.g. 500 pts daily over 5 days of purchases above PLN 99) motivating repeat visits
PL: Scan&Go feature in the "Mój Carrefour" app - a self-service technology element increasing digital engagement
Daily and weekly offers creating a shopping rhythm

7. Differentiation

Carrefour stands out among grocery chains by integrating its own program with a local points coalition (PAYBACK in PL), which expands the ecosystem beyond the chain's stores and provides partners with unique consumer data. Global scale while retaining local variants (Carte PASS, Senior Card) enables market adaptation without building separate programs from scratch.

8. Data and personalization

Collection of purchase data: basket, frequency, product categories, purchase channel
Marketing consents obtained at registration in line with local law (GDPR)
Personalized coupons and promotions generated based on purchase history
PL: integration with the PAYBACK platform enables hyper-personalization and cross-analysis of data with coalition partners, supported by AI

9. Technology

"Mój Carrefour" mobile app (iOS/Android) with a mobile card, price scanner, Scan&Go feature, coupons and PAYBACK integration (PL)
Plastic card as an alternative to the app
Integration with in-store POS systems and the carrefour.pl e-commerce platform
PL: PAYBACK points engine operated by Loyalty Partner Polska sp. z o.o.

10. Communication and lifecycle

Communication channels: mobile app (push), email, POS materials, website
Onboarding: simple registration online or in-store; plastic or mobile card - both free
Retention: personalized offers, seasonal campaigns, Senior Card (PL); FR: an account inactive for 12 consecutive months may be deactivated in accordance with the "Mon Club" terms

11. Conclusion / inspiration for the almanac

Carrefour shows that a points program on a multi-market scale can be strengthened through local coalition partnerships (PAYBACK in PL) and demographic segmentation (Senior Card). It is worth considering similar flexibility when designing your own program: a shared platform, local adapters.

Sources: carrefour.pl (program page and press center), retailnet.pl, connexionfrance.com (article dated 27.12.2024), loyal.guru, payback.pl, infowire.pl
Terms (link): https://www.carrefour.pl/programy-lojalnosciowe
Entry compiled on: 2026-06-10

Mi Carrefour / Mój Carrefour (Carrefour card)