Switzerland’s two largest grocery chains, Migros and Coop, each run a loyalty program (Cumulus and Supercard respectively) that most residents sign up for automatically, but relatively few use to its full advantage.
How these programs actually pay off
Both work on a simple points-per-franc-spent model, redeemable for discounts, vouchers, or partner offers, with periodic bonus-point promotions on specific products. The real value comes from combining points accumulation with the weekly discount cycle rather than treating it as a separate habit.
Getting the most out of them
- Link your card to the store’s app so bonus offers and personalised discounts apply automatically at checkout
- Check weekly bonus-point promotions before a big shop, timing larger purchases to these windows adds up over a year
- Redeem points regularly rather than letting them accumulate indefinitely, some programs cap or expire older points
Other loyalty programs worth knowing
Beyond groceries, several pharmacy chains, fuel stations, and retailers run their own point or discount schemes. None of these individually are worth going out of your way for, but stacking the ones that match shops you already use regularly is close to free money.
Best for / avoid if
Best for: households doing regular weekly grocery shops at Migros or Coop, the points accumulate meaningfully over a year.
Avoid if: you shop rarely at a given chain, chasing points across too many programs at once usually costs more attention than it returns.
