Egyptian fintech powerhouse Valu has launched a new loyalty program, introducing what it claims is the country’s first instant cashback system for payments. The move directly challenges traditional point-accumulation models by giving users immediate rewards after completing a transaction, aiming to simplify the customer rewards experience.
Quick Facts
- Egypt’s first instant cashback payment program.
- Replaces traditional point-based reward systems.
- Cashback is valid for one year.
Moving Beyond Points to Immediate Rewards
Valu’s new loyalty program eliminates the common practice of collecting points over time. Instead, cashback is applied to a user’s account immediately after an eligible transaction is finished. This allows customers to track and use their rewards in real-time.
Users receive instant notifications and can transfer their earned cashback directly to their Valu prepaid card, offering tangible value without the delays or complexities of typical redemption processes.
An Ecosystem-Wide Approach
The program is integrated across Valu’s main services, including merchant transactions, prepaid card top-ups, Sha2labaz, and in-app purchases through Shop’IT.
Rewards are not limited to standard financed transactions. The company confirmed that promotional plans, such as zero-interest financing, Spark’IT offers, and other discount campaigns, are also eligible for cashback rewards. Once earned, the funds remain valid for 12 months from the date of the transaction.
“At Valu, we are reshaping financial experiences by delivering simple, transparent rewards with immediate value,” said Omar Abdelhady, Chief Growth & Product Officer at Valu. “With Egypt’s first instant cashback loyalty program for payments, customers benefit from every eligible transaction instantly without waiting, collecting points, or navigating complex redemption processes.”
About Valu
Valu (U Consumer Finance S.A.E.) is a leading universal financial technology company in the MENA region, offering a wide range of financial solutions. As the first fintech in consumer finance to be listed on the Egyptian Exchange (EGX), Valu pioneered Buy-Now, Pay-Later (BNPL) solutions in the region. Its services cover financing plans for up to 60 months across more than 9,000 stores and online platforms. The company also offers investment products, an instant cash redemption program, and business-to-business solutions through Valu Business. In May 2026, Valu launched its services in Jordan after receiving approval from the Central Bank of Jordan.
Source: Zawya
