Next-Level Personalization: How Visa Is Unlocking Transformative Benefits

The world of payments is transforming rapidly, and so are consumer expectations. People today seek more than transactional value—they want personalized benefits that align with their lifestyles, from airport lounge access to premium insurance coverage.

For issuers, meeting these demands requires a shift from standardized offerings to tailored solutions. The key to driving higher spend, retention, and loyalty is no longer about offering a higher volume of perks—it’s about delivering the right ones to the right segments.

At Visa, we enable our clients and partners to unlock added value through targeted solutions that address these evolving demands. By embracing personalization, banks can break through an increasingly competitive market, build stronger connections with consumers, and drive long-term business growth.

Case Study: Card-level Personalization in Kazakhstan

In Kazakhstan, Visa recently introduced a benefits personalization program in partnership with Bank CenterCredit (BCC), offering unique perks tailored to each cardholder—even when they hold the same product. This was made possible by utilizing the new Visa Benefits Management Platform, designed to deliver speed, simplicity, and precision. The platform further enables issuers to configure and avail benefits according to spending thresholds and to offer personalized rewards at individual cardholder level.

Visa's additional packages for Infinite cardholders allowed BCC to offer tailored benefits to high-value, cross-product customers, with BCC identifying relevant segments for enrollment on quarterly basis.

This scalable solution is powered by a flexible, easy-to-implement data exchange with Visa, which is adaptable to various technical requirements: Issuers can choose from secure file uploads via Visa’s online interface, automated transfers using Secure File Transfer Protocol (SFTP), or real-time exchanges through Application Programming Interfaces (APIs).

BCC reported significant results from the collaboration. In addition to real-time benefits to consumers that meet their needs, BCC saw key business metrics doubling and an increase in customer loyalty to both the bank and the Visa Infinite card. BCC plans to expand this technology to more client segments soon.

The Future of Benefits Is Tailor-Made

The future of payments offers significant opportunities for banks to enhance the value of every card in their portfolio. By leveraging card-level personalization with Visa, banks can harness this potential, aligning perks seamlessly with the unique demands, habits, and lifestyles of their cardholders.

With its new office and Innovation Center in Riyadh, Visa will continue to strengthen its role as a growth driver in the GCC and contribute to Saudi’s vibrant and evolving payments landscape, helping uplift it to new heights of innovation.

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For more insight on how benefits personalization can help support your business, you can contact us here.