Quick question? Chat with us
RibiRewards
Payout API
RewardsCardBenefitsCard
PricingPlatformContact
RibiRewards
Payout
Banks & FintechsFMCGTelecomsOil & GasInsuranceHealthcareCustomer RewardsSales IncentivesChannel IncentivesCashback RewardsPlaybookCase StudiesResearchHow It WorksAPI DocsMarketsLocationsComparePricingPlatformContact
← Card formats

Digital card

Issued in seconds. Redeemed on any device.

Digital reward cards delivered instantly via email, SMS, or WhatsApp. Recipients redeem on a fully branded web page — no app required. Works on any phone, any network condition.

Issue digital cards →Compare all formats
FROM: REWARDSCARDYour reward has arrived ↓Tap to open yourRibiRewards Payout →SMS · 09:24rwdc.africa/a8s99:24YOUR REWARDWelcome bonusRibiRewards Payout5,000KES · digitalEXP · 31.12.27BalanceKES 5,000IssuedToday · 09:24Redeem

< 3s

Average issuance time

3 channels

Email · SMS · WhatsApp

16+

African currencies

Zero

App required

Use cases

The default format for most programmes.

Digital cards are the most versatile format. Instant, channel-agnostic, and zero-logistics. The right choice for most reward, incentive, and recognition use cases.

Remote & distributed employee rewards

Your workforce is spread across cities and countries. A digital card reaches every employee instantly — same value, same day — regardless of where they are. No logistics, no postal delays.

CorporatesNGOsTech companies

Consumer promotions & purchase rewards

Triggered by a purchase, a registration, or a loyalty milestone. The digital card is issued the moment the action is confirmed — instant gratification, zero fulfilment overhead.

FMCGRetailersE-commerce

Survey & research incentives

Improve completion rates by rewarding instantly on submission. Digital cards issued via API at the moment a survey is completed — no manual processing, no delays, auditable trail.

Market researchHealthcareAcademic

Channel partner & sales agent rewards

Your agents close a deal in Nairobi or Accra. The digital card lands on their phone seconds later. Redeemable at local brands. Delivery method matches how they communicate — WhatsApp or SMS.

TelecomsInsuranceFMCG distributors

Delivery channels

Meet recipients where they are.

Email

Requires email

Branded HTML email with card render and one-click redemption link. Customise sender name, subject, and message.

SMS

Any phone

Short message with a redemption link. Delivered to any mobile number — no smartphone or internet needed to receive.

WhatsApp

WhatsApp required

Rich card preview sent via WhatsApp. Recipient taps to claim. Works across 500M+ WhatsApp users in Africa.

Other formats

Physical Card →Scratch Card →Voucher Code →QR Code →Reward Link →

Get started

Start issuing digital cards today.

API or dashboard — your first cards can be live within the hour. Tell us your use case.

Get access →Compare formats

Also from RibiRewards

One reward infrastructure. Four products.

See full platform →

Rewards

RewardsCard

Milestone & one-off rewards, redeemable across 500+ brands

Explore →

Benefits

BenefitsCard

Health, meals, transport & fuel — daily benefits on one card

Explore →

Coming soon

Recognition

Peer & manager recognition wired directly into RewardsCard

Explore →
EgyptEthiopiaGhanaKenyaMoroccoNigeriaSenegalSouth AfricaTanzaniaUgandaEgyptEthiopiaGhanaKenyaMoroccoNigeriaSenegalSouth AfricaTanzaniaUgandaEgyptEthiopiaGhanaKenyaMoroccoNigeriaSenegalSouth AfricaTanzaniaUgandaEgyptEthiopiaGhanaKenyaMoroccoNigeriaSenegalSouth AfricaTanzaniaUganda
RibiRewards

The reward infrastructure for Africa — rewards, benefits, recognition and payouts on one platform across 14 markets.

RewardsCard BenefitsCard Payout API

Rewards

  • RewardsCard
  • Physical cards
  • Digital cards
  • Brand catalogue
  • Recognition (soon)

Benefits

  • BenefitsCard
  • Health & Wellness
  • Meal & Food
  • Transport & Commute
  • Learning & Dev
  • Family & Lifestyle

Payout API

  • Overview
  • FMCG & Brands
  • Channel Incentives
  • Banks & Fintechs
  • Insurance
  • API Docs
  • Playbook

Company

  • About Us
  • Pricing
  • Customers
  • Coverage
  • South Africa
  • Security
  • Press
  • Our Journey

Resources

  • Blog
  • HR Insights
  • Payout Playbook
  • How it works
  • API Documentation
  • Integration Guide
  • FAQs
© 2026 RibiRewards. All rights reserved.
Privacy PolicyTerms of ServiceSecurity
hello@ribirewards.comPhotography: Unsplash · Pexels · Pixabay