UK loyalty points value index: what every point is worth
Figures checked 6 Oct 2026 to 7 Oct 2026 · How we verify
The number of points you get per £1 tells you little on its own. A point at Game Collection Rewards is worth 0.25p; a point at The Perfume Club is worth 5p. What matters is what you get back: the points you earn per £1, times what each point is worth.
This index works that out for every UK points scheme we cover, from each scheme’s own site and terms, at its usual rate. Bonus offers, partner rates and caps are noted beside each scheme rather than counted in.
What you get back per £1
| Scheme | Points per £1 | A point is worth | Back per £1 |
|---|---|---|---|
| The Perfume Club | 1 | 5p | 5p5% |
| Debenhams Beauty Club | 3 to 5 | 1p | 3p to 5p3% to 5% |
| H&B&Me | 4 | 1p | 4p4% |
| Boots Advantage Card | 3 | 1p | 3p3% |
| Game Collection Rewards | 10 | 0.25p | 2.5p2.5% |
| Superdrug Health & Beautycard | 1 | 1p | 1p1% |
| Tesco Clubcard | 1 | 1p | 1p1% |
| Nectar Card | 1 | 0.5p | 0.5p0.5% |
Scheme by scheme
1.The Perfume Club
5p (5%) back per £1
- Usual rate:
- 1 point per £1, in store, online and in the app
- A point is worth:
- 5p
- £100 at the usual rate earns:
- 100 points (£5)
- 1,000 points are worth:
- £50
- Spend from:
- 100 points (a £5 reward)
Earning is capped at 4,000 points in any rolling 12 months, and up to £25 of rewards can be used in one transaction.
Checked 7 Oct 2026 · The Perfume Club offers, sources and how to earn more
2.Debenhams Beauty Club
3p to 5p (3% to 5%) back per £1
- Usual rate:
- 3 to 5 points per £1, on beauty and home fragrance at debenhams.com, by tier
- A point is worth:
- 1p
- £100 at the usual rate earns:
- 300 to 500 points (£3 to £5)
- 1,000 points are worth:
- £10
- Spend from:
- 500 points (£5)
New members get 3 points per £1; the rate rises to 4, then 5, as your spending in a year moves you up a tier.
Checked 6 Oct 2026 · Debenhams Beauty Club offers, sources and how to earn more
3.H&B&Me
4p (4%) back per £1
- Usual rate:
- 4 points per £1, in store, online and in the H&B app
- A point is worth:
- 1p
- £100 at the usual rate earns:
- 400 points (£4)
- 1,000 points are worth:
- £10
- Spend from:
- 50 points (50p)
A member can hold at most 10,000 points (£100), so spend them as you go.
Checked 7 Oct 2026 · H&B&Me offers, sources and how to earn more
4.Boots Advantage Card
3p (3%) back per £1
- Usual rate:
- 3 points per £1, in store, online and in the app
- A point is worth:
- 1p
- £100 at the usual rate earns:
- 300 points (£3)
- 1,000 points are worth:
- £10
- Spend from:
- Points must cover a whole product
Club members get 8 points per £1: Parenting Club on baby products, Over 60s Rewards on Boots brands.
Checked 6 Oct 2026 · Boots Advantage Card offers, sources and how to earn more
5.Game Collection Rewards
2.5p (2.5%) back per £1
- Usual rate:
- 10 points per £1, on everything at thegamecollection.net except gift cards
- A point is worth:
- 0.25p
- £100 at the usual rate earns:
- 1,000 points (£2.50)
- 1,000 points are worth:
- £2.50
- Spend from:
- 400 points (£1)
Games in the 3x Reward Points collection earn 30 points per £1.
Checked 7 Oct 2026 · Game Collection Rewards offers, sources and how to earn more
6.Superdrug Health & Beautycard
1p (1%) back per £1
- Usual rate:
- 1 point per £1, in store, online and in the app
- A point is worth:
- 1p
- £100 at the usual rate earns:
- 100 points (£1)
- 1,000 points are worth:
- £10
- Spend from:
- 100 points (£1)
Once you spend £25 with the app linked to your card, your next app or online order earns “x10 bonus” points.
Checked 7 Oct 2026 · Superdrug Health & Beautycard offers, sources and how to earn more
7.Tesco Clubcard
1p (1%) back per £1
- Usual rate:
- 1 point per £1, in store and online at Tesco
- A point is worth:
- 1p
- £100 at the usual rate earns:
- 100 points (£1)
- 1,000 points are worth:
- £10
- Spend from:
- 150 points (£1.50 in vouchers)
Vouchers exchanged with Reward Partners are worth up to 2x, so a point can be worth up to 2p.
Checked 6 Oct 2026 · Tesco Clubcard offers, sources and how to earn more
8.Nectar Card
0.5p (0.5%) back per £1
- Usual rate:
- 1 point per £1, at Sainsbury’s, Argos, Habitat and Tu
- A point is worth:
- 0.5p
- £100 at the usual rate earns:
- 100 points (50p)
- 1,000 points are worth:
- £5
- Spend from:
- 500 points (£2.50)
Other partners pay their own rates, and many bonus points come from offers loaded in the Nectar app.
Checked 6 Oct 2026 · Nectar Card offers, sources and how to earn more
Schemes without points
These schemes reward members another way, so they have no value per point to compare.
- Matalan Me Card: members get discounts, vouchers and perks instead.
- Sparks Card: rewards are paid in pounds into your digital Sparks wallet, from offers you activate.
Points value FAQ
Which UK loyalty card gives the most back?
At its usual rate, The Perfume Club: 1 point per £1, with each point worth 5p, so 5p (5%) back in every £1. Debenhams Beauty Club gives the same at its highest rate (5 points per £1). Earning is capped at 4,000 points in any rolling 12 months, and up to £25 of rewards can be used in one transaction.
Which loyalty scheme gives the least back per £1?
Of the schemes we cover, Nectar Card: 1 point per £1 at Sainsbury’s, Argos, Habitat and Tu, with each point worth 0.5p, so 0.5p (0.5%) back. Other partners pay their own rates, and many bonus points come from offers loaded in the Nectar app.
Why do more points per £1 not always mean more back?
Because points are worth different amounts. Game Collection Rewards gives 10 points per £1, the most of any scheme here, but each point is worth 0.25p, so you get 2.5p (2.5%) back. The Perfume Club gives 1 point per £1, but each point is worth 5p, so 5p (5%). Compare what you get back, not the number of points.
How is the return per £1 worked out?
It is the points a scheme gives per £1 at its usual rate, multiplied by what one point is worth when you spend it with the scheme itself. At The Perfume Club, 1 point per £1 at 5p a point is 5p (5%) back. Bonus offers, partner rates and caps are left out of the figure and noted beside each scheme.
Do points events change these figures?
Yes, while they run. A double or triple points event multiplies the usual rate: at Boots, triple points is 9 points per £1, so 9p back in every £1 instead of 3p. Each scheme page lists the events running now.
Which UK loyalty schemes do not use points?
Of the schemes we cover, Matalan Me Card and Sparks Card. Matalan Me Card: members get discounts, vouchers and perks instead. Sparks Card: rewards are paid in pounds into your digital Sparks wallet, from offers you activate.
Every figure was read on the scheme’s own website or in its terms, on the date shown beside it. Each scheme page lists the pages we read.