--- title: "Points Africa alternatives" description: "Compare 12 published alternatives to Points Africa." canonical_url: "https://liners.com/points-africa/alternatives" markdown_url: "https://liners.com/points-africa/alternatives.md" type: "product-alternatives" language: "en" updated_at: "2026-09-14T16:54:28.750Z" --- # Points Africa alternatives Compare 12 published alternatives to Points Africa. ## Breadcrumbs - [Points Africa](/points-africa) - [Alternatives](/points-africa/alternatives) ## Summary Compare 12 published alternatives to Points Africa. ## About these alternatives The most useful **Points Africa alternatives** in 2026 are Rubi pays you, [kenzup](/kenz-up), [Naked Insurance](https://liners.com/naked-insurance), [CredPal](https://liners.com/credpal), and [Payment24](https://liners.com/payment24). The right option depends on your country and whether you want cross-merchant points, cashback inside a wallet, BNPL at checkout, or rewards bundled into insurance or fuel spend. Points Africa is a free, pan-African consumer loyalty rewards app that lets you earn and redeem points across partner merchants, link wallets and cards, and track balances in real time; it is available on web, Android, and iOS. Tech Africa News reports it raised $2 million from VestedWorld to support rollout in Ghana and expansion across Africa, and its consumer rewards network is live in Ghana with corporate and operational offices in South Africa and Nigeria. People usually start searching for apps like Points Africa when they realise availability and partner coverage are everything. If you are outside Ghana, or you want rewards tied to a specific financial product (a wallet, BNPL, fuel payments, or insurance) instead of a single cross-merchant points network, you will get a better day-to-day fit from a specialist. None of this makes Points Africa a poor choice; it means the market now has specialists worth comparing. ## What to Compare When Choosing a Points Africa Alternative - **Country coverage**: confirm the app works where you live and spend, because many rewards programmes are limited to one market. - **Type of rewards**: decide if you want points, instant cashback, discounts, or vouchers, since they do not behave the same at checkout. - **Where rewards are earned**: check if rewards apply in-store, online, or both, and whether partner brands match your regular spend (fuel, groceries, dining). - **Payment rails you can link**: look for support for cards and [Mobile Money](/tags/mobile-money) if that is how you pay day to day. - **How redemption works**: verify if you can redeem instantly in-app, at checkout, or only via periodic payouts or codes. - **KYC and limits**: some options behave like wallets or credit products and may require stronger identity checks than a basic rewards account. - **Extra product tie-ins**: if you want rewards bundled into cover, compare options tagged [Insurance](/tags/insurance); if you want a workplace benefit, look for voucher systems. ## Compare by country and use case - **Pan-African, earn from non-shopping actions**: Rubi pays you focuses on earning money for sharing personal data, with withdrawals via bank transfer. - **Morocco, wallet plus cashback at merchants**: [kenzup](/kenz-up) is a Morocco-only wallet that includes cashback and loyalty at 100+ partner brands. - **[South Africa](/countries/south-africa), rewards tied to insurance and payments**: [Naked Insurance](https://liners.com/naked-insurance) offers app-based cover and claims in 90 seconds, while [Pineapple](https://liners.com/pineapple) is another digital insurer where rewards sit alongside insurance. - **[Nigeria](/countries/nigeria), rewards around checkout and spending tools**: [CredPal](https://liners.com/credpal) is BNPL for paying in instalments, and [Cardcosmic](https://liners.com/cardcosmic) is for selling unused gift cards for cash with verification and payouts. Browse the Liners directory below to find Points Africa competitors across [Fintech](/categories/fintech), then filter by [Loyalty & Rewards](/tags/loyalty-rewards), [B2C](/tags/b2c), [SaaS](/tags/saas), [Mobile Money](/tags/mobile-money), and [Insurance](/tags/insurance). You can also narrow to [Nigeria](/countries/nigeria), [South Africa](/countries/south-africa), or [Ghana](/countries/ghana) to compare similar apps you can use instead of Points Africa where you are. ## Alternatives | Name | URL | Tagline | Country | Rating | | --- | --- | --- | --- | --- | | Lucky | /lucky | Earn cashback and discounts when you shop online or in store | Egypt | | | Kenz'up | /kenz-up | Pay, send money, and earn cashback at Moroccan merchants | Morocco | | | Vivakard | /vivakard | Sell gift cards for instant cash in Nigeria and Ghana | Nigeria | 5 | | ValueSwap | /valueswap | Sell gift cards for instant cash at transparent rates | Nigeria | | | Tookeez | /tookeez | Turn loyalty points into spendable digital currency | Morocco | | | Goodiebag | /goodiebag | Send group cash gifts with one link and PIN | Nigeria | | | Phundit | /phundit | Build an emergency fund with daily interest and rewards | Ghana | | | Hook | /hook | Trade gift cards for instant Naira cash and pay bills | Nigeria | | | CredPal | /credpal | Split purchases into interest-free instalments at checkout | Nigeria | | | Trashcoin | /trashcoin | Turn recyclable waste into instant cash and bill payments | Nigeria | | | Aku | /aku | Mobile banking to save, spend, and get paid easily | Nigeria | | | SurgePay | /surgepay | Send, spend, and exchange stablecoins across borders | Nigeria | | ## Related pages - [Product page](/points-africa) - [Alternatives](/points-africa/alternatives) - [Reviews](/points-africa/reviews) - [Transparency](/points-africa/transparency) ## Access and citation - [Canonical HTML page](https://liners.com/points-africa/alternatives) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)