PROGRAM CARD - Moje Intermarché

Program name: Moje Intermarché
Distinction: Interki (Interek points) for every grocery purchase
Brand / operator: Intermarché (SCA PR POLSKA Sp. z o.o.)
Family / owner: Groupe des Mousquetaires (Muszkieterowie) - ITM Polska
Industry: grocery retail
Industry benchmark: no
Market: PL
Related programs: Moje Bricomarché (Bricomarché PL - same owner, Muszkieterowie)
Status: active
Legal / time status: no restrictions
Launch year: 2024 (points-based version with full Interek accrual - 01.08.2024; the program was previously run in a simplified coupon form, preceded by the "Interpunkty" pilot)
Main type: points-based
Additional type: member-benefit
Joining cost: free
Channels: in-store (physical card) / mobile app (iOS, Android, Huawei AppGallery) / online (moje.intermarche.pl)
Reach: over 700,000 registered participants at the launch of the points-based program (08.2024); over 400,000 monthly active app users; 1.3 million app downloads (data as of 08.2024)

Comparative parameters (estimated ratings)

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

Descriptive sections

0. Summary

Moje Intermarché is a free loyalty program of the Intermarché supermarket chain in Poland, launched in its current points-based form on 1 August 2024. Customers collect Interki (1 for every 10 PLN spent) and redeem them in the mobile app for discount coupons on specific branded products from a regularly refreshed rewards catalog.

1. Goals and context

The program responds to the demand from 70% of Polish grocery-chain consumers who take part in loyalty schemes, as well as the preference of 86% of them for points as the "optimal means of payment" (research commissioned by Intermarché, 2023). The strategic goal is to increase the frequency of visits to Intermarché stores, build a database of shopping preferences, and personalize communication with customers.

2. Target group

The program is aimed broadly at adult consumers doing grocery shopping at the Intermarché chain in Poland. The low threshold for the first reward (10 Interki = 100 PLN spent) deliberately covers both regular and occasional customers; the mechanics do not single out any demographic segment.

3. Architecture and type

Registration - the participant sets up an account in the Intermarché Polska app (iOS/Android/AppGallery) or on the moje.intermarche.pl website and optionally links a physical Moje Intermarché card picked up in-store; verification is possible via phone number.
Collecting Interki - with each purchase at brick-and-mortar Intermarché stores the cashier scans the card or the code from the app; for every 10 PLN gross (excluding alcohol, tobacco, medicines, and infant formula) 1 Interek is credited; a monthly limit of 5,000 PLN on the accrual base and a limit of 3 transactions per day apply; the balance is updated within 72 hours of fiscalization.
Redemption for coupons - in the app (the "Moje Intermarché" tab → "Kupony za Interki" / Coupons for Interki) the participant selects a product from the catalog and clicks "Aktywuj" (Activate); the coupon, active for 7 days, deducts the corresponding number of Interki and lowers the product price on the next receipt after the card is scanned.

4. Earn & burn mechanics

Accrual: 1 Interek for every 10 PLN gross spent; excluded: alcohol (including beer), tobacco products, medicines, infant nutrition preparations; limit of 5,000 PLN/month and 3 transactions/day; purchases at Intermarché fuel stations (fuel) and in the online Drive store are not covered by accrual (outside the terms: as of 04.2026 points can be collected at selected service points at Intermarché stations - however, fuel still does not accrue Interki)
Threshold and redemption: the rewards catalog is divided into thresholds; the 08.2024 terms defined levels of 10/20/30/50 Interki; the Organizer reserved the right to change the levels - the current program page (06.2026) presents rewards starting from 10, 25, and 40 Interki; an activated coupon is valid for 7 days from activation
Reward forms: coupons for specific branded products at the price indicated in the app (food items, household chemicals, cosmetics); no possibility of exchanging Interki or coupons for a cash equivalent, gift cards, or vouchers; transferring Interki and coupons to third parties is not permitted
Point expiration: 365 days from the accrual date; after this period Interki are permanently removed from the account; when a Customer's account is closed, the Interki are forfeited

5. Emotional value

The program is communicated through the "Interek" mascot - an anthropomorphized figure that is also the name of the points unit - which guides users through the app and informs them about benefits. The brand tone is built on the simplicity of everyday savings and a positive reflex: "you're buying anyway, so collect rewards along the way." The physical products in the catalog give a more tangible sense of reward than abstract cashback.

6. Gamification

Coupon tiles change color along with the balance (gray-locked → red-available → green-active → white-collected), creating a visual loop of progress and satisfaction
Four point thresholds act as "checkpoints" motivating further store visits
Periodic special campaigns with Interek multipliers (for buying a specific product, shopping at a given time, or above a certain amount) create elements of time-limited engagement
Receipt history and current balance visible in the app reinforce a sense of control over saving

7. Differentiation

Against direct competitors (Moja Biedronka - coupons on the receipt with no point accumulation, Lidl Plus - member-benefit with no formal points balance), Moje Intermarché stands out with classic, transparent mechanics: every 10 PLN = 1 point, redeemed for a specific product from the catalog. The low entry threshold (100 PLN spent for the first reward) lowers the barrier for occasional customers; a registered catalog of branded products is more tangible than a percentage discount.

8. Data and personalization

Collected data: transaction history (receipts available in the app), coupon activation patterns (product preferences), registration data (phone, email)
Consents: participation requires a Customer Account; data processed by SCA PR POLSKA Sp. z o.o. in accordance with GDPR; deleting the Customer account results in the permanent removal of accumulated Interki
Personalization: personalized discount coupons available in the app (separate from the Interki catalog); push communication about new rewards and upcoming coupon expiration; a dynamic catalog refreshed regularly

9. Technology

Intermarché Polska mobile app for iOS, Android, and Huawei AppGallery; 1.3 million downloads (08.2024)
Integration with in-store and self-checkout registers via scanning the card (physical or virtual in the app); balance updated within 72 hours of fiscalization
Online registration via moje.intermarche.pl as an alternative to registering in the app; operator platform: SCA PR POLSKA (technology provider - no public data)

10. Communication and lifecycle

Channels: mobile app (push notifications, coupon catalog view), the intermarche.pl website, in-store POS materials, press releases via Muszkieterowie
Onboarding: the Interek mascot walks new users through the app's features; simplified verification via phone number
Retention: rotating rewards catalog refreshed every few months; special campaigns with bonus Interki; notifications about upcoming coupon expiration; extension of the program to fuel stations (04.2026) as a new reason to use the app

11. Conclusion / inspiration for the almanac

Moje Intermarché shows that the classic "one zloty = one point" mechanic still effectively differentiates a grocery chain in a market dominated by receipt coupons - provided that the first-reward threshold is low enough and the product catalog concrete enough for the customer to feel a real reward for every everyday purchase.

Sources: intermarche.pl/moje-intermarche (program page, current rewards catalog, 06.2026); Terms of the "Moje Intermarche" Loyalty Program dated 01.08.2024 (PDF - intermarche.pl, read directly); Muszkieterowie press release dated 01.08.2024 (muszkieterowie.pl); kb.pl dated 29.04.2026 (extension of the program to fuel stations)
Terms (link): https://zakupy.intermarche.pl/regulamin-programu-lojalnosciowego-moje-intermarche
Entry compiled on: 2026-06-11

Moje Intermarché