With the enhanced Certo! loyalty programme, customers automatically earn cashback and also benefit from partner advantages. Retailers gain access to Certo! customer channels, where they can easily promote their brand and offers to specific target groups.
How can we make using our credit cards even more attractive? Cembra asked itself this question in 2025. It quickly became clear that the added value of the Certo! credit card family must become more noticeable for customers in their everyday lives. The existing cashback function was therefore made more attractive and the benefits programme was expanded by integrating selected retailers. “Our aim is for our customers to get even more back when they pay – without any additional effort”, emphasises Andreas Schärer, Head of Marketing & Branding at Cembra.
Cembra app: everything at a glance
The Cembra app offers additional benefits: users can select their favourite retailers and find out about current cashback offers. They can also keep an eye on their cashback balance, payments and limits. The app can also be used to take out insurance policies and pay bills with Scan2Pay. If the card is lost or suspected of being misused, it can be blocked directly in the Cembra app.
Even more cashback
The principle remains simple: with every purchase, the cashback automatically increases. The amount collected is credited as a refund on the credit card statement. But that is not all: those who shop with partners in the programme also benefit from promotions and exclusive advantages. Customers do not need to activate discount codes or open additional portals. Simply pay with your Certo! credit card and the rest happens in the background.
Advantages for everyone
Participating retailers can set up their own offers via a marketing platform, target specific customer groups across various customer channels, and track and control them in real time. With the eService and the cashback newsletter, they also have access to additional Certo! customer channels to reinforce their message. Customers can always see the cashback offers that apply to them in the app. “With the expanded cashback programme, we have created an attractive offer that benefits everyone”, says Roman Del Medico, Head of Product Cards.
The offers are continuously being developed so that customers can enjoy as many benefits as possible when shopping and interested retailers can benefit from active use – this way, everyone wins.