28 Apr Where You Can Earn and Redeem Points Africa Rewards in Ghana
Points Africa works across a growing network of Ghanaian brands that most people already use. This page is the complete, up-to-date guide to every partner where your spending earns points and everywhere your points can be redeemed. We update this list every time a new partner joins the network — bookmark it and check back.
How the Partner Network Works
When you make a purchase at a Points Africa partner using a linked payment method, the transaction is recorded by the Points Africa system and points are credited to your account immediately. You do not need to scan a separate card. The transaction passes through and your points appear. You will receive a notification confirming the earn.
Points from all partners accumulate in one account. Your Star Oil points, your Melcom points, your Jumia points — they all add to the same balance. You do not maintain separate accounts per partner, and you do not need to redeem points at the same partner where you earned them. Your balance is yours to spend anywhere in the network.
Tier One Partners — Where You Earn and Redeem
These are the core partners in the Points Africa network. You can both earn and redeem at all of the following.
Star Oil — Fuel
Star Oil is one of Ghana’s most widely distributed fuel station networks, with locations across Accra, Kumasi, Takoradi, and major highway routes. Every time you fill up using MoMo or Tingg at a Star Oil station with your Points Africa account active, you earn reward points on the transaction. The points appear immediately after the fuel purchase is confirmed.
Redeeming at Star Oil: You can redeem accumulated Points Africa points for a fuel credit at Star Oil — meaning your previous transactions literally reduce the cost of your next fill. For commuters and regular drivers, this is typically the highest-value redemption option in the network because fuel is a frequent, unavoidable expense.
How to earn: Pay at the pump or in-store with your linked payment method. Your Points Africa account is tied to your phone number — the station’s system recognises your account at the point of sale.
Melcom — Retail and Groceries
Melcom is Ghana’s largest retail chain, stocking groceries, household goods, electronics, appliances, clothing, and more. With locations in Accra, Kumasi, Takoradi, Tema, and other cities, it is the partner that most Points Africa members interact with most frequently.
Earning at Melcom: Every qualifying purchase at Melcom earns points, whether you are shopping for groceries, picking up a household item, or making a larger purchase like furniture. The points are credited to your account at the time of checkout.
Redeeming at Melcom: You can redeem accumulated points directly at the Melcom checkout, reducing your bill. This is where most Points Africa members make their first redemption — because the combination of earning frequency and redemption flexibility makes Melcom the natural first payoff. A member who shops at Melcom weekly will typically build enough balance for a meaningful redemption within six to eight weeks.
Tip: Consolidating your Melcom shop into one or two visits per week rather than multiple small trips earns points more efficiently per visit and reduces your transport costs.
Jumia — Online Shopping
Jumia is Ghana’s largest e-commerce platform, covering electronics, fashion, groceries, beauty products, home goods, and more, with nationwide delivery. Every confirmed Jumia order placed through a linked account earns Points Africa reward points, credited after delivery confirmation.
Earning on Jumia: Your Points Africa account is linked through the registration process. When you order on Jumia and the delivery is confirmed, the points appear in your account automatically. You do not need to enter a code at checkout or take any additional step.
Redeeming from Jumia points: Points earned on Jumia orders are added to your overall Points Africa balance. You can redeem them at Jumia on future orders, or use them at any other partner in the network — Star Oil, Melcom, or your dining partners.
Who this matters most for: Frequent Jumia shoppers, particularly those ordering household supplies, electronics, or fashion items regularly. Two Jumia orders per month, consistently, can contribute meaningfully to a Points Africa balance over a quarter.
GLICO General — Insurance
GLICO General Insurance is one of Ghana’s most recognised general insurers. This partnership makes Points Africa one of the very few loyalty networks in Africa where your insurance premium earns rewards — a category of earning that almost no other programme covers.
How earning works: When you pay your GLICO General premium through a linked payment method, the transaction earns Points Africa reward points. The points are credited to your account after the payment is confirmed.
Why this matters: Insurance is a committed, recurring expense for most Ghanaian professionals and businesses. Most Ghanaians have paid GLICO premiums for years and received nothing in return beyond their coverage. Points Africa changes that. Your protection now also earns.
Lifestyle and Dining Partners — Where You Earn
The following dining and lifestyle partners earn Points Africa points when you pay through the Points Africa app at the counter. You cannot redeem directly at these locations in the same transaction — points earned here go into your overall balance for redemption at any partner.
Starbites
One of Ghana’s most popular quick-service restaurant chains, with multiple locations in Accra. Known for local Ghanaian dishes, grilled meats, and quick-service formats. Pay through the Points Africa app and earn on every visit.
Jamestown Coffee
A premium coffee and lifestyle venue in Accra, popular with professionals, creatives, and the young urban demographic. Earn Points Africa rewards on coffee, meals, and event bookings.
Alley Bar
A social and entertainment venue. Earn points on food and beverage spending. One of the lifestyle partners that makes the case that Points Africa is not just for errands — your leisure spending earns too.
Le Petit
A dining partner offering French-influenced cuisine in a relaxed Accra setting. Earn on every qualifying dining spend through the Points Africa app.
Oliver Twist Shack
A popular Accra dining destination known for grilled food and social dining. Earn Points Africa points on food and drink spending.
Tree House
Another lifestyle dining partner. Earn on qualifying spend through the Points Africa app at the point of payment.
Accessing Points Africa Through MTN MoMo
MTN MoMo is not an earning partner in the traditional sense — you do not earn points simply by using MoMo. But MTN MoMo is the access gateway through which millions of Ghanaians reach their Points Africa account, making it the most important tool in the network for most members.
How it works: Open your MTN MoMo app. Tap Buy. In the Buy menu, find Points Africa in the list of services. Tap it. The Points Africa progressive web app opens directly inside MoMo — you do not leave the app and you do not need a separate download. Your account, your balance, your partner map, and your redemption options are all accessible from here.
<citation index=”23″>As of 2024, 73 percent of retail customers in Ghana use mobile money weekly</citation> — which means the majority of Ghanaians already have instant access to Points Africa through an app they open multiple times a day.
How to Redeem Your Points
When your balance is ready, redeeming is straightforward.
- Open the Points Africa app (or go to Buy > Points Africa in MoMo).
- Tap Redeem.
- Choose your reward: fuel credit at Star Oil, airtime top-up, shopping credit at Melcom, or dining discount at a partner restaurant.
- Confirm. The reward is applied immediately.
There is no minimum membership period before you can redeem. There is no expiry on your points if your account remains active. Redeem whenever your balance suits your needs.
New Partners
The Points Africa network is growing. New brands are added as partnerships are confirmed. This page is updated as each new partner goes live. If you are an existing member, check back regularly — a new partner may already be part of your weekly routine.
If you are a business interested in joining the Points Africa partner network, visit partner.pointsafrica.com.
Frequently Asked Questions
Where can I earn Points Africa points in Ghana? You can earn at Star Oil (fuel stations), Melcom (retail stores), Jumia (online), GLICO General (insurance), Starbites, Jamestown Coffee, Alley Bar, Le Petit, Oliver Twist Shack, and Tree House. The network is growing — new partners are added regularly.
Can I earn points on a Jumia order? Yes. Every confirmed Jumia order through a linked Points Africa account earns reward points, credited after delivery confirmation.
How do I redeem Points Africa points at Melcom? Open the Points Africa app or the Points Africa section in your MoMo Buy menu. Tap Redeem, select the Melcom option, and choose the amount you want to apply. The discount is confirmed at the Melcom checkout.
Is MTN MoMo a partner where I earn points? MTN MoMo is the access route to your Points Africa account — it is not an earning partner itself. You access Points Africa by going to Buy > Points Africa in your MoMo app. You earn points when you shop at the partner brands listed above.
How do I know when a new partner joins the network? Points Africa announces new partner additions on their social media channels and through the app. This page on the blog is also updated each time a new partner is confirmed — bookmark it for the current list.
Can I earn points at all Star Oil stations in Ghana? Yes. Points Africa earning is active at Star Oil stations across Ghana, including Accra, Tema, Kumasi, Takoradi, and highway locations. Your account is linked to your phone number, which the system recognises at each qualifying Star Oil transaction.
Not yet a member? Sign up free in under two minutes — via USSD on any phone, through your MTN MoMo Buy menu, or by downloading the Points Africa app. Start earning at your next visit to any partner on this list.