How LOYA Turns Your Wallet Into a Cashback Machine

With Loya, your wallet earns while you spend.

More specifically: 5% cashback automatically

Every purchase made with a participating brand automatically earns you 5% cashback, instantly credited to your digital Loya wallet. There’s no waiting period, no activation, and no extra steps — the reward is available as soon as you complete your payment.

That cashback can be used on your next purchase at the same store, turning everyday shopping into a simple, repeatable way to save. In effect, Loya transforms your payment method into a built-in loyalty engine, rewarding you every time you pay instead of asking you to track points or hunt for deals.

Using Loya is just as easy as paying normally. You check out with Loya in one tap while still using your preferred card, and your cashback is applied automatically. No new habits, no complexity — just smarter payments that give you real value back.