Introducing a smarter and more rewarding way to pay

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Service

UX Strategy, User Interface Design, Stakeholder Management

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One card to rule them all

Introduction

Introduction

Approached by a product management team, the client had a flex proposition with an innovative “all-in-one” card for digital-first users for a digital bank.


Consumers can maximize and consolidate rewards, to strengthen the appeal of its reward program with a single card.

My role

My role

I was assigned to create and design examples of user experiences which alignes to their proposed MVP and roadmaps for the client's use cases.

Challenges and Solutions

Ethical combination of banking with a reward system

The app introduced a unique system where users earned points for everyday banking activities and could use them to enter limited missions. The challenge was to design this feature in an ethical way – to make it a reward, not gambling.

Solution

Users had the flexibility to pay AND participate – missions were earned through spend usage. This kept engagement high. Since we structured it as a bonus system rather than a betting model, the result was an ethical and engaging experience that met both regulatory and user expectations.

Multiple card provisioning, one card to rule them all

Consolidate multiple cards into a single smart card, giving users the power to manage and differentiate spending types effortlessly. Maintain control over expenses and optimize rewards—all in one place.

Solution

Create intelligent rules that automatically route payments through the most suitable linked card based on spending category, reward optimization, or user preferences. Enjoy a seamless, hassle-free payment experience with maximum flexibility and value.

Tight deadline

The client needed four distinct user flows designed and ready for their presentation—within just one week.

Solution

Built a streamlined design system as the foundation to ensure consistency and speed. Leveraged reusable components and rapid prototyping to deliver all four flows efficiently, while maintaining high design quality under a tight timeline.

Features

Link to one
Link to one

Users can add and view their linked cards.

Users can add and view their linked cards.

Encourage credit or debit spend
Encourage credit or debit spend

Activate a mission to earn points based on other banking products

Activate a mission to earn points based on other banking products

Convert points to balance
Convert TreatsPoints to Treats+ MYR Balance

Users can have the flexibility to balance top-up with points, pending cashback, and their preferred card.

Users can have the flexibility to balance top-up with points, pending cashback, and their preferred card.

Spend with setup rules
Spend with setup rules

Auto-route payments to linked cards or balance based on smart rules

Auto-route payments to linked cards or balance based on smart rules

Related work

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blow your mind

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cool projects which will
blow your mind

Let’s talk

Ideas welcome, kopi appreciated.

Get in touch

© 2025 Cheryl Goh

Let’s talk

Ideas welcome, kopi appreciated.

Get in touch

© 2025 Cheryl Goh

Let’s talk

Ideas welcome, kopi appreciated.

Get in touch

© 2025 Cheryl Goh

Let’s talk

Ideas welcome, kopi appreciated.

Get in touch

© 2025 Cheryl Goh