This application personalizes the card for a particular user with basic profile, family details, official details, contact details and Loyalty Details. Retailers have been using loyalty programs for years. On every valuable purchase, points are awarded. Depending on the amount purchased points are computed and are stored in the Smart card. The Points can also be redeemed. Transaction details could also be stored inside the card Objective: To identify the customer’s purchase habits Give the customer a sense of belonging Easier to hold a card than holding bundles of coupons Multiple Loyalty schemes in one card cost effective