Why Reloadable Cards Are the Best Solution for Customer and Sales Incentive Programs

A reloadable Mastercard is a secure payment card that can be used anywhere Mastercard is accepted, either online or in-store. Unlike traditional gift cards, it can be topped up with funds multiple times, making it perfect for long-term engagement strategies.

Vault’s reloadable cards are available in both digital card and physical formats. Digital cards can be delivered instantly via SMS or email and added straight to a digital wallet like Apple Pay or Google Wallet, giving recipients a seamless mobile payment experience.

Whether you’re incentivising referrals or sales results, rewarding ongoing loyalty, promoting repeat purchases or managing an incentive scheme over time, a reloadable card offers greater flexibility and control than a one-time solution.

Reloadable Mastercard gift cards are incredibly versatile and can be used to reward, incentivise or re-engage customers at different stages of their journey.

Here’s how leading brands are using them:

• Acquisition
  Offer a reloadable card as part of a sign-up incentive or trial campaign. Once the customer converts, you can reward again.
• Onboarding & Retention
  Add value at key moments, like completing onboarding or renewing a subscription, with automatic top-ups to their digital card.
• Loyalty & Repeat Purchases
  Instead of points, send dollars. Reload a card after every third or fifth purchase, for example, to drive repeat behaviour.
• Reactivation Campaigns
  Win back lapsed customers with a reloadable reward that’s ready to use, without hoops or codes.
• Referrals
  Reward both referrer and referee with funds on the same reloadable card to keep things clean and simple.

Whether it’s a single customer or thousands, Vault helps you deliver these rewards with speed, precision and positivity.

While reloadable cards are perfect for customer incentive programs, they’re also a brilliant solution for internal use.

Many Vault clients use the same reloadable Mastercards for:

• Employee expense cards
• Travel and event costs
• Team rewards and bonuses
• Petty cash alternatives

This makes them a scalable, flexible financial tool for both sides of your business, both customer-facing and behind the scenes.

With Vault’s business dashboard, you can see exactly how your campaign is performing. You’ll have access to:

• Load and redemption data
• Card activity and transaction history
• User behaviour insights
• Budget tracking and audit trails

This makes it easier to measure ROI, optimise your programs, and plan smarter for future campaigns.

You can even automate reward triggers based on behaviour tracked in your CRM or campaign software, and easily integrate incentives into your digital ecosystem.

We’ve helped hundreds of Australian businesses launch, manage and scale their reward and incentive programs.

With Vault, you’ll get:

• Access to bank-grade security and compliance
• Fast, frictionless digital delivery
• Custom branding on all cards and communications
• A friendly, expert team that supports you every step of the way
• Mobile wallet integration for a seamless user experience
• No minimum load requirements, which is ideal for programs of all shapes and sizes

Whether you’re rolling out your first reloadable card program or looking to upgrade your existing system, we’re here to make the process simple, secure, and empowering.