€250M+ in cashback awards since €pistrofi's launch.
Eurobank built €pistrofi, its bank loyalty programme, entirely on CRM.COM — turning card spend into the reason cardholders choose Eurobank first at checkout.
The challenge
Getting Eurobank's card to be the one cardholders reach for first.
In a wallet with several cards, the everyday winner is whichever one earns the cardholder the most. Eurobank needed to make its card that winner, at scale, across millions of cardholders — without the cost of a blanket discount scheme eating into margin.
The solution
€pistrofi — Greece's largest merchant-funded cashback programme built on CRM.COM.
Getting there meant rethinking three things at once — how cardholders join, how the rewards get funded, and what they can actually do with them.
Engage: Every cardholder is auto-enrolled the moment their card is issued — no sign-up step — so every purchase, in-store or online, is captured against one identity in real time.
Value: €pistrofi runs on merchant-funded offers at scale, including product (SKU)-based offers — a specific brand or item can carry its own funded reward, not just a flat cashback rate — which is what makes a loyalty wallet spanning 8,900+ merchants sustainable rather than a cost Eurobank absorbs.
Digital Services: Rewards convert into things cardholders actually want, from real purchases through the merchant network to travel-linked rewards like Aegean Miles+Bonus — turning a points balance into something they spend, not just watch grow.
In early 2026, Eurobank brought the programme to Cyprus, rebranding its existing Blue rewards scheme as €pistrofi — meaning Cyprus cardholders now earn and redeem on the same terms as their Greek counterparts, with cashback that works across both countries’ merchant networks rather than stopping at the border.
In their own words
What Eurobank says about CRM.COM.
"This innovative cashback loyalty scheme by CRM.COM allowed us to grow our cardholder base which subsequently increased card spending at our partners' premises while at the same time delivering tangible rewards at the point of sale. Additionally, through the functionalities offered, the loyalty scheme enabled us to make the right proposition each time to our customers and boost spending at partner companies via promotional activities. Furthermore, it allowed us to expand our merchant business and enhance our relationships with our business partners who benefit from increased sales and a loyal customer base."
Integrations
Deeply connected to Eurobank's banking infrastructure.
CRM.COM integrates with Eurobank’s core banking systems, merchant acquiring infrastructure and cardholder-facing channels — ensuring every transaction, reward and settlement is reconciled in real time.
The results