Platform research · HyperFinity (with Bloomreach and Eagle Eye)
Value and Recognition Drive 53% of UK Shopper Loyalty
HyperFinity's 2026 Retail Loyalty Index of 2,200 UK shoppers finds that better value, feeling valued and appealing rewards drive 53% of loyalty, and every one point rise in a scheme's score lifts repeat shopping intent by 7 to 8%.
Source published Summarised
Read the full report from HyperFinity (with Bloomreach and Eagle Eye)
Key findings at a glance
- 2,200 UK shoppers surveyed for HyperFinity's 2026 Retail Loyalty Index, rating loyalty schemes they actually use.
- 51 UK loyalty schemes benchmarked across 9 retail sectors, from Tesco Clubcard to Wickes Trade Pro.
- 53% Combined influence of the three biggest loyalty drivers: better value, feeling valued, and appealing rewards.
- 18.8% Share of loyalty driven by better value alone, the single biggest driver in the index.
- 18.5% Share of loyalty driven by shoppers feeling recognised and valued by a brand.
- 16.1% Share of loyalty driven by how appealing a scheme's rewards are.
- 7% Minimum lift in a shopper's likelihood to keep shopping with a retailer for every one point rise in that retailer's index score.
- 8.38 Tesco Clubcard's overall score out of 10, the highest of the 51 schemes benchmarked.
- 9.16 Tesco Clubcard's score out of 10 specifically for making shoppers likely to keep shopping there, the single highest sub-score recorded.
- 8.00 Score out of 10 for the tenth placed scheme, JD Status, showing how tightly bunched the UK's top 10 loyalty programmes are.
What the report covers
HyperFinity's 2026 Retail Loyalty Index, run with retail marketing platforms Bloomreach and Eagle Eye, surveyed 2,200 UK shoppers on the loyalty schemes they actually use. Respondents rated up to two programmes each on satisfaction, likelihood to recommend, how much the scheme influences where they shop, and intent to keep shopping there, scored against seven core drivers: trust with data, happy with interactions, ease of use, feeling valued, appealing rewards, personal and relevant benefits, and better value.
The result is a Retail Loyalty Index (RLI) score out of 10 for 51 schemes spanning 9 sectors: grocery, quick service restaurants, coffee, sports, health and beauty, fashion, DIY and home, department stores, and a mixed 'other' category covering retailers like Waterstones and Hamleys. Tesco Clubcard tops the overall table at 8.38, followed closely by Leon Club and Pret Perks, with the top 10 schemes separated by less than half a point.
Published 25 March 2026, the index is the first to isolate which of the seven drivers actually move the needle on repeat purchase, and by how much, rather than treating loyalty as one undifferentiated score.
What this means for UK marketers
The headline number for anyone running retention is the 7 to 8% lift in repeat shopping intent for every point a scheme gains on the index. That is a direct, quantified link between how a loyalty programme feels to use and whether a customer comes back, and it holds across very different sectors: QSR brands win on trust with data, coffee chains win on happy interactions, and grocery wins on no single driver dominating, meaning breadth of experience matters more than any one lever.
The power trio finding, better value, feeling valued and appealing rewards accounting for 53% of loyalty, is the clearest answer yet to whether traditional discount led schemes still work. They do, but value on its own is worth 18.8%, barely more than feeling valued at 18.5%. A scheme built purely on percentage off mechanics is leaving roughly half the available loyalty uplift on the table by ignoring recognition and reward appeal.
For UK ecommerce and retail brands, the practical read is: audit what your loyalty programme actually measures. If you can quote a discount rate but not a satisfaction or recommendation score for your scheme, you are running blind on two of the three biggest drivers. Segment repeat buyers early (the first 90 days after a first purchase is where the behavioural signal is clearest), personalise communication around what a customer has already bought rather than blanket promotions, and track repeat purchase rate and 12 month customer value alongside acquisition cost, not instead of it. Our own conversion rate optimisation playbook covers the funnel side of this; retention is the compounding half of the same equation most SMBs under-invest in relative to acquisition spend.
How they got the data
HyperFinity ran the Retail Loyalty Index in partnership with Bloomreach and Eagle Eye, surveying 2,200 UK consumers who were active users of at least one of 51 named loyalty schemes across 9 retail sectors. Each respondent rated up to two programmes they use, answering questions mapped to seven core loyalty drivers: trust with data, happy with interactions, ease of use, feeling valued, appealing rewards, personal and relevant benefits, and better value.
Scores were aggregated into a 0 to 10 Retail Loyalty Index per scheme, alongside sub-scores for satisfaction, recommendation likelihood, and intent to continue shopping. The index was published 25 March 2026.
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From HyperFinity (with Bloomreach and Eagle Eye) · published 25/03/2026