Biggest discount and loyalty programs in Croatia: Guide for 2023

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:
- Bio&bio
- BIPA
- DM
- Emmezeta
- Hrvatska pošta
- Konzum
- Lidl
- Pevex
- SPAR
- Sportina
- Školska knjiga
- Bi-annual sales
- Weekly actions
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 Školska knjiga
Offer: books, textbooks, school supplies
Program: Školska knjiga program vjernosti
Benefits: Special offers are available only for loyalty program users. Školska knjiga sends emails with special discounts when available.
Sign up at: Školska knjiga stores
Web site | Facebook | Instagram
#12 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.
#13 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
- 5 Croatian words to use when you are (not) enjoying food
- 10 Croatian words to describe the texture of food
- A local’s guide to buying food at Croatia’s farmer’s market
- Croatian farms and food suppliers with online ordering and home delivery
- GMO (genetically modified organisms) in Croatia
- How to buy flour in Croatia
- How to buy quality products in Croatia and avoid bad ones
Sources:
bio&bio
BIPA
DM
Emmezeta
Hrvatska pošta
Konzum
Lidl
Pevex
Spar
Sportina
Školska knjiga
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.