Biggest discount and loyalty programs in Croatia: Guide for 2024

female legs and Lidl bag
A woman coming from shopping in Croatia

UPDATED: 13.7.2023.

Assimilation into Croatian culture is not just about speaking the language and understanding the importance of wind. It is also about ensuring you aren’t paying more than absolutely necessary.

Croatians LOVE good discounts, and they are pros at finding the lowest prices. The cost of living in Croatia is higher than it should be in comparison to the low salaries, and taxes are high, so every euro counts.

Some shops in Croatia offer rewards programs for card members, others offer discount prices on limited-time promotions, and some participate in big annual sales. We bring you a list of some of Croatian shops’ deepest discounts and loyalty programs.

Jump to a program:

Akcija! Akcija!

Biggest discount and loyalty programs in Croatia

#1 bio&bio

Offer: organic food and health products

Program: bio&bio card

Benefits: For every 1 euro spent, 1 point is earned. After collecting 300 points, you get a discount of 10 euro. It is possible to exchange points for an educational workshop on natural and healthy lifestyles at the educational institution called Makronova. Two people may connect their cards to collect points faster.

[Read: Where to buy healthy, organic, and natural food in Croatia including bio&bio]

Sign up at: bio&bio stores or online

Web site | Facebook | Instagram

#2 BIPA

Offer: beauty, hygiene, toiletry, cleaning supplies, bio-non-perishable food items

Program: BIPACard

Benefits: By collecting points on the BIPACard, you receive discounts on future purchases. For every 6,64 euro spent, you are awarded 1 point on your BIPACard. The value of 1 point is 13 cents. Credits are earned over three months. After three months, you have another three months to use the euro you’ve earned, after which the reward expires. At that point, your balance is reset, and you can begin collecting points again.

Sign up at: BIPA stores

Web site | Facebook | Instagram

#3 DM

Offer: beauty, hygiene, toiletry, cleaning supplies, bio-non-perishable food items

Program: DM Active Beauty

Benefits: For every 1 euro spent, 1 DM active point is earned and stored on your DM Active Beauty card. Collected points can be used in exchange for discounts on future purchases. A minimum of 200 points is needed to get a discount. For every point, the award is a 1-cent discount, so 200 points equals a 2-euro discount. You can earn more points by purchasing the products on this list, which changes every 15 days.

Collecting extra points and discounts are also possible by activating the eKupon option online. The products available for these online-activated promotions change every 15 days.

Sign up at: DM stores or online

Web site | Facebook | Instagram

#4 Emmezeta

Offer: furniture, multimedia products, appliances, housewares, dishes

Program: Emmezeta klub

Benefits: You can earn 1 point for every 13 euro spent on a credit card and 2 points for every 13 euro spent in cash. Points earn discounts on certain products as well as future purchases. Earning at least 50 points triggers discounts of up to 5%, 6%, 7%, 8%, 9%, or 10%. You can view the chart of discounts here.

Sign up at: Emmezeta stores

Web site | Facebook | Instagram

#5 Hrvatska pošta

Offer: postal services and supplies

Program: Program vjernosti Moja pošta

Benefits: For every 1,30 euro spent, you are awarded 1 point. Points can be used for rewards, which translates to discounts on HP’s web shop Žuti klik and postage. A minimum of 1.450 points is needed to get a reward. When ready to exchange your points for a reward, you can do it at any postal office, via phone at +385 (0)72 303 304, or online here. After you pick a reward, it is delivered to your postal office free of charge or to your home or office for an additional fee.

[Read: Hrvatska Pošta – Croatian Postal Office]

Sign up at: Hrvatska pošta offices

Web site | Facebook | Instagram

#6 Konzum

Offer: food, beauty, hygiene, toiletry, cleaning supplies

Program: Konzum MultiPlusCard

Benefits: For every 2,75 euro paid in cash or credit card, one reward point is earned and stored on the card. Collecting 100 points equals 1 BONUS euro. Points can be used for discounts on shopping at Konzum, F&F, and Atlas. You may collect extra points by buying products with a special MultiPlus BONUS sign. Payment via ZABA’s Maestro or MasterCard also earns extra points.

Sign up at: Konzum stores

Web site | Facebook | Instagram

#7 Lidl

Offer: food, plants, beauty, hygiene, toiletry, cleaning supplies, clothes, dishes, appliances, housewares

Program: weekly offers and actions

Benefits: Lidl has weekly actions where buying products at specific discounts for a much lower price than usual is possible. Following Lidl’s actions every week can save you a lot of money from your monthly budget.

Sign up at: No sign up – follow weekly discounts here; find Lidl’s shops here

Web site | Facebook | Instagram

#8 Pevex

Offer: hardware, housewares, appliances, electronics, furniture, sports supply

Program: PEVEX KLUB vjernosti

Benefits: Pevex club card gives you access to discounts on certain products and Tuesday discounts, delivery of products, discounts in some caffe bars, and cheaper fuel at Crodux.

Sign up at: Pevex web site

Web site | Facebook | Instagram

#9 SPAR

Offer: food, plants, beauty, hygiene, toiletry, cleaning supplies, appliances, housewares

Program: weekly actions, earned discounts

Benefits: SPAR’s weekly actions allow buying products at specific discounts for a much lower price than usual. Discounts of 50% and more are available.

In addition, SPAR allows you to earn discounts on specific products. Purchases earn points tracked by stickers given to you by the cashier. You collect the stickers in a booklet you can get at the store. When you collect enough stickers, you can buy one of the selected products at a significant discount (usually 70% and more). The products change periodically.

Sign up at: SPAR stores

Web site | Facebook | Instagram

#10 Sportina

Offer: women’s and men’s clothing

Program: Klub Sportina Group

Benefits: With the card, you can access possible discounts of 3%, 5%, 7%, 9%, 11%, 15%, and 20% on your total purchase. The percentage of discount depends on the amount spent. Once or twice a year, special discounts of 20-30% on particular articles are offered to card members.

Sign up at: Sportina stores

Web site | Facebook | Instagram

#11 Bi-annual sales

In addition to the above discounts, knowing when the big sales are is essential.

Two big sales happen every year. There is a summer sale usually in June and a winter sale in January. All stores participate in these bi-annual sales, usually with savings up to 70% or higher. If you need to do some shopping, you can save a ton by waiting for one of these sales.

#12 Weekly actions

Most supermarkets offer weekly discounts on specific items. They release the weekly deals in a printed leaflet, which may appear in your mailbox. You can also pick up the latest one at the store or view it posted at the entrance to the store, online, or on TV.

[Read: HRT (HTV): Croatian public television and their TV channels]

View our other food articles


Sources:
bio&bio
BIPA
DM
Emmezeta
Hrvatska pošta
Konzum
Lidl
Pevex
Spar
Sportina

Please note: Information provided by Expat in Croatia is only for the purposes of guidance. It does not constitute legal or financial advice in any form. Croatian laws and bureaucratic rules often change, and each personal case is individual, so different rules may apply. For legal advice, contact us to consult with a licensed Croatian lawyer. For financial advice, contact us to consult with a licensed Croatian tax advisor or accountant.

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