The difference between a loyalty programme that sits dormant and one that travels with you is redemption breadth. Here is every way to build and spend your Winity Points balance.
A loyalty programme is only as good as what you can do with it. Most card rewards sit accumulating for months before the cardholder realises they do not actually want any of the things on offer. Winity Points are designed for the category of spending that already defines your lifestyle: travel, dining, entertainment, connectivity, and experience.
How you earn Winity Points
- Card spend: 1 point per USD 10 on the Exclusive card; 1 point per USD 8 on the Executive card
- Balance bonus: earn up to 15 bonus points on qualifying USDT or USDC balances
- Winity Loop: earn from the referral activity of your network, both from referrals you make and referrals your referrals make
What you can redeem
Travel is the largest redemption category: flights, hotel stays, rail journeys, and curated experiences. Dining redemptions cover restaurant vouchers and curated food experiences in supported markets. Entertainment includes streaming platforms and gaming credits. Lifestyle covers wellness and curated partner benefits. Mobile recharge and charity giving are available in supported markets.
The Executive tier earn rate advantage
Executive cardholders earn points 20% faster than Exclusive: 1 point per USD 8 vs. 1 per USD 10. Beyond the earn rate, the Executive tier includes airport lounge access, premium lifestyle benefits, and 3 GB annual complimentary UMI travel data, all included within the USD 1,000 annual membership.
Balance bonuses are the fastest way to accelerate your starting balance. A qualifying high balance can earn up to 15 bonus points on top of your regular card spend.
Redeeming in the app
Open the Winity Life app, navigate to Loyalty, and browse available rewards by category. Select the reward you want, confirm the redemption, and your points are deducted instantly. Reward availability varies by market and partner terms. Points do not expire while your account remains active.
Making the most of your balance
Combine three earning streams (card spend, balance bonuses, and Winity Loop referral activity) and your balance builds meaningfully each month. Exclusive cardholders have access to the same spectrum of reward categories as Executive. The difference is earn rate and the included premium benefits layer that comes with the Executive tier.
