Suki points are a loyalty balance you build at a specific business by buying from that business. They are not cash, they are not transferable, and they are not a platform-wide currency. Understanding those three facts explains almost everything else.

Where points come from

You earn points on what you spend at a business that runs the programme. The earning rate is set by that business, not by Suki, which is why the same spend can earn differently in two different shops.

Points are credited when the order completes. An order that is cancelled or refunded does not earn, for the obvious reason.

Why points stay with the business that gave them

Points are funded by the business that issued them. When you redeem, that business provides the reward and absorbs its cost.

Keeping points where they were earned is what makes the programme viable for the small businesses running it — and it is why the rewards are worth having rather than being watered down to nothing.

What you can redeem them against

Each business chooses which of its products can be redeemed with points, and sets the point cost for each. So the catalogue of what your balance can buy is specific to that business and can change as the owner adjusts it.

Points cannot be converted to cash, withdrawn, transferred to another person, or moved to another business.

Expiry

Points expire after 12 months of inactivity at that business.

Inactivity means no new earning at that business — not a fixed calendar deadline from the day you earned. In practice, a customer who keeps buying keeps their balance. A balance sitting untouched at a shop you have stopped visiting will lapse.

Getting value out of a balance

Check before you order, not after. Your balance and what it can be redeemed against are visible in the app. Deciding at checkout is when redemption is easiest.

Redeem against things you would have bought anyway. A reward that pushes you into buying something you did not want is not a saving.

Do not hoard indefinitely. Balances lapse with inactivity, and a business can change what is redeemable. Points spent are worth more than points saved for a hypothetical better reward.

Concentrate rather than spread. Because points stay with one business, spreading small amounts across many shops produces several balances that never reach a redemption threshold. Buying regularly from a few shops produces balances that actually convert.

Common situations

The business changed what is redeemable. Owners can adjust their redeemable catalogue and point costs. Your balance is unaffected; what it can buy may change.

An order was refunded. Points from a refunded order are reversed along with the payment.

A business left the platform. Points are tied to that business, so a balance there cannot be moved elsewhere.

You deleted your account. Account deletion removes your profile and its balances. Points do not survive it and cannot be restored afterwards.

What points are not

They are not a discount on the platform, not a wallet, not money, and not a guarantee that a particular reward will still be offered next month. They are a reason for a shop you already like to want you back — funded by that shop, spent at that shop.