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How to Monetize Your App With Loyalty Rewards and Scratch Cards

20 Oct 2026 · Moby Team

A simple way for B2C apps to monetize at any traffic size - give users loyalty rewards and scratch card coupons, and earn revenue share on the sales they drive.

Most app owners know the problem. Getting users is expensive, and they leave quickly. A normal loyalty program is limited — points can only be spent inside your own app, so they do not feel valuable. And ads can annoy the same users you worked hard to win.

There is another way to monetize: reward your users with offers they actually want, and earn when they use them.

Two programs, use one or both

1. App Loyalty Program

Your users earn your app's coins or currency as usual. With Moby, they can redeem those coins for exclusive brand vouchers. We white-label a rewards web app so it opens inside your app and looks like part of it. Your user's wallet gets a "Redeem" button that opens it. It goes live in about 3 days.

The offers come from 262+ new-age brands, and rewards can be used at 30,000+ stores and restaurants across India, with offers shown for the user's location. Your coins become useful for real purchases, so users have more reason to keep opening your app.

2. Scratch Card Program

After a transaction, your app shows a scratch card with an exclusive brand coupon code. The app stores the card and sends an expiry reminder. You get the coupon details each week or through an API, and it can go live in 1 day.

Why new-age brands?

Big, well-known brands run the same deals on every app, so a coupon from them gives your app no edge. New-age brands are fresh to most users and the codes are exclusive, which is why users are more likely to use them.

What it costs and how you earn

There is no upfront cost. Moby works on a revenue-share model: when your users buy through the offers, your app earns a commission. You see every sale in your dashboard.

Does traffic size matter?

You can start at any size, because trying costs nothing. Earnings depend on how many of your users transact, so it grows as your app grows — but you do not need to wait for scale to begin.

How to get started

  1. Create a free account at mobyads.co.in/affiliate/register.php.
  2. Set your codes and add the simple API to your app.
  3. Track every sale from your dashboard.

For the full details, see Moby for B2C apps. Moby also works with online stores — see how stores get new customers from their Thank You page.

Add loyalty rewards to your app

Zero upfront cost, revenue-share model, live in 3 days.

FAQ

How can a small app monetize without ads?
By rewarding users with brand offers and earning a revenue share on the sales those offers drive. Moby does this through a loyalty program and scratch card coupons, with no upfront cost to the app.
Do I need a lot of traffic to start?
No. There is no upfront cost, so the cost of trying is low. Revenue depends on how many of your users transact, so more activity means more earnings, but you can start at any size.
How long does it take to go live?
The App Loyalty Program goes live in about 3 days. The Scratch Card Program can go live in 1 day through an API.
What does it cost the app?
Nothing upfront. Moby works on a revenue-share model, so your app earns sales commissions on what your users buy.
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