Question 1

Is Points Africa available in Ghana, and what are good alternatives there?

Accepted Answer

Yes. Points Africa’s consumer rewards network is live in Ghana; if you want a different rewards model, compare Rubi pays you for pan-African cash earnings via bank transfer and DuexMedia for rewards tied to tasks and bill payments with cashback.

Question 2

What can I use instead of Points Africa in Nigeria?

Accepted Answer

For Nigeria, CredPal is a strong alternative if your main need is saving money at checkout by paying in instalments, since it is a BNPL app with KYC-based credit limits. If you want rewards around gift cards instead, Cardcosmic focuses on selling unused gift cards for cash with verification and fast payouts.

Question 3

Which Points Africa alternative works best in South Africa?

Accepted Answer

In South Africa, Naked Insurance and Pineapple are the most relevant options from this list because they bundle rewards with insurance products. Naked Insurance emphasises app-based quotes, cover, and claims in 90 seconds.

Question 4

Are there apps like Points Africa that combine a wallet and cashback at merchants?

Accepted Answer

Yes. kenzup is built around a mobile wallet experience and includes cashback and loyalty at 100+ partner brands in Morocco. If you prefer a broader rewards platform rather than a wallet-led one, Lucky focuses on cashback and discounts across 100+ websites and 3,000+ stores.

Question 5

What does Points Africa cost compared with other options?

Accepted Answer

Points Africa is free for consumers, with free registration and no subscription fee. Several alternatives also position as free-to-join consumer apps, including Rubi pays you and kenzup, although they monetise differently based on the product type.

Question 6

What Points Africa competitors are better if you want rewards linked to fuel or fleet payments?

Accepted Answer

If fuel spend is your focus, Payment24 is the closest match because it is built for fuel management and transaction control, including loyalty, and it operates in South Africa. It is a different model from consumer points networks, so it suits fleets and issuers more than everyday shoppers.

Question 7

How do I switch from Points Africa to another rewards app without losing track of benefits?

Accepted Answer

Start by choosing the closest replacement for how you earn, then set it up alongside Points Africa until you see rewards posting reliably, for example kenzup for wallet-based cashback or CredPal for instalments at checkout in Nigeria. Because rewards are usually tied to specific partner networks, expect to keep separate balances rather than migrating points from one app to another.

Top 19 Best Points Africa Alternatives & Competitors (2026)

Alternatives to Points Africa

Rubi pays you

kenzup

Naked Insurance

CredPal

Payment24

Pineapple

Cardcosmic

Lucky

DuexMedia

Apptivate Africa

Phundit

ETAP

Tookeez

Hook

Clientèle

Discovery Limited

Shoppoint Rewards

Aku

Dot

Frequently Asked Questions

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