Luupa turns rent — the payment you already make every month — into Luupa Points, partner perks and a stronger credit story. No monthly fee. WhatsApp-first. Built for renters in South Africa.
Unlike a generic wallet app, Luupa is anchored to rent. That means every verified payment is a chance to earn, redeem on everyday categories and build a record lenders can understand over time.
When your landlord confirms payment — or you verify it on Luupa — points land in your balance. No clipping receipts for rent itself.
Groceries, airtime, electricity and partner brands — the same categories highlighted on our homepage, expanded as partners go live.
On-time and early rent behaviour strengthens your profile inside Luupa and feeds a fairer picture of you than scattergun card spend alone.
Core, Plus and Prime are not vanity badges — they unlock multipliers, catalogue depth and reporting pathways as you grow with Luupa.
Expect confirmations, nudges and reward updates where you already message — with the app there when you want deeper control.
No subscription to earn baseline rewards. You opt into partners and campaigns the same way you would any loyalty programme.
You do not need a new bank or a new landlord. Luupa sits on top of the rent flow you already use.
Exactly how you pay today — EFT, card or whatever your lease allows.
Luupa confirms with your landlord or your proof of payment — fast, in WhatsApp or in-app.
Points credit to your wallet. Bonuses can apply when you pay early or shop partner offers.
Swap points for vouchers and cashback — or stay consistent to climb tiers and strengthen your credit story.
Each category below shows what tier typically unlocks more value. You always start at Core; better habits and partner spend move you toward Plus and Prime.
Base Luupa Points every time rent is verified.
Same rent, 1.5× points multiplier on eligible earning.
2× multiplier — maximum points on rent and bonuses.
Keep paying on time; early payment can boost this month's points.
Standard partner earn when you shop linked offers.
Enhanced earn rates and mid-tier partner deals.
Best partner earn and exclusive retail drops.
Link everyday spend; tier unlocks better earn, not just rent.
Top-ups and bundles count toward partner campaigns.
Higher points on qualifying recharges.
Maximum earn on telco partners in the catalogue.
Use partner links in Luupa so spend is tracked cleanly.
Earn on eligible utilities through partner rails.
Better earn on recurring bill payments.
Top tier multipliers apply to qualifying utilities spend.
Set reminders — consistent behaviour helps you level up.
Think of it like a loyalty programme that actually cares about rent. You start in Core as soon as rent verifies once. Consistent on-time payments unlock Plus. Longer, stronger behaviour plus real partner spend unlock Prime — where the catalogue and earn rates peak.
You unlock Core when your first rent payment is verified on Luupa.
Move up after three consecutive on-time rent payments (verified).
Reach Prime with around six months of strong behaviour plus real partner activity (illustrative — exact rules ship with the product).
You unlock Core when your first rent payment is verified on Luupa.
Move up after three consecutive on-time rent payments (verified).
Reach Prime with around six months of strong behaviour plus real partner activity (illustrative — exact rules ship with the product).
Tick means included; a dash means not at that tier. Wording follows how we explain the product publicly — final legal copy may ship slightly differently at launch.
| Benefit | Core | Plus | Prime |
|---|---|---|---|
| Luupa Points on verified rent | |||
| Early payment bonus (where you pay ahead) | |||
| Points multiplier on qualifying earning | 1.5× | 2× | |
| Partner cashback & boosted partner earn | Standard | Enhanced | Best |
| Rewards catalogue | Essentials | Expanded | + Lifestyle extras |
| Priority support channel | |||
| Credit signal & history in Luupa | |||
| Formal credit reporting pathway (where eligible) |
Illustrative tier benefits — subject to product, partner and regulatory terms at launch. Luupa will always show your live tier and eligibility inside the product.
Join the tenant waitlist — free, one minute, early access to Luupa Points and tiers.