CapitaLand Investment wins at Real Estate Asia Awards 2026 for advancing payment-integrated loyalty

The group introduced a payments architecture enabling automatic rewards earning and real-time campaign activation.

CapitaLand Investment won the Digital Initiative of the Year - Singapore and Technology Innovation of the Year - Singapore categories at the Real Estate Asia Awards 2026 for its transformation of the CapitaStar loyalty programme into a payment-integrated platform.

Payment-integrated loyalty architecture

CapitaLand Investment replaced receipt-based validation with a model anchored on verified payment transactions, removing delays, inconsistent data capture, and exposure to fraudulent uploads. The system shifted from post-transaction validation to payment-layer authentication, where transactions are confirmed at source across linked payment methods. Rewards are issued immediately, and campaign participation takes place at checkout without requiring receipt uploads or follow-up actions.

A centralised loyalty intelligence layer consolidates transaction data across Mastercard, DBS/POSB payment methods including DBS PayLah!, ShopBack Pay, and eCapitaVoucher. Operating through network and API integration, the platform was deployed across more than 3,000 merchants in 30 properties, supporting over 1.9 million members. This structure enabled CapitaStar to become the first retail mall loyalty programme in Singapore to scale linked payment methods for rewards earning. Each transaction feeds directly into campaign logic, allowing targeting and activation to be based on verified spending.

Adoption and commercial outcomes

Linked payment adoption exceeded 90% amongst active members after implementation. The enhanced programme also drove strong new member acquisition and successfully reactivated dormant users. Loyalty shifted from a task-based process to one embedded in routine transactions, where rewards are triggered automatically once a payment method is linked.

Campaign execution drew on verified transaction data, with mechanisms such as uncapped rewards in selected categories, tiered-based incentives, and app-based gamification linked to spending activity.  

Access to transaction-level data also enabled closed-loop attribution, linking campaign performance directly to verified spending and enabling more precise, targeted marketing outcomes.

The Real Estate Asia Awards proudly shines a spotlight on exceptional achievements in the dynamic world of real estate across Asia. It seeks to recognise those who consistently push the boundaries of innovation and excellence, making a lasting impact on their local communities.

The Real Estate Asia Awards is presented by Real Estate Asia Magazine. To view the full list of winners, click here. If you want to join the 2027 awards programme and be acclaimed for your company's exceptional projects or initiatives in the Real Estate industry, please contact Julie Anne Nuñez at [email protected].