The Loyalty Card System is used for managing the loyalty program for merchants & banks. It is a customer centric loyalty system that allows each customer to have multiple cards, products, and even family group. So, the cardholder will find the program more attractive and can earn the rewards either privilege, points, or instant discount faster. However, each campaign can be set the earning limit differently over period of each program. The system also provides the point redemption transaction online via terminals and online catalogs.