POINTX, the points management app under SCBX Group (SET: SCB), has reaffirmed its position as the leading points platform by unveiling its 2026 business plan under the concept “The Ultimate Connectivity Platform.” The plan advances point utility across three connectivity dimensions: connecting capabilities within SCBX Group, partnering with leading players across industries, and enabling seamless online-to-offline usage.
POINTX is also expanding its role to connect points with everyday lifestyle experiences across all dimensions, and will partner with a global player to launch XTravel Powered by Expedia — a new travel platform — with the ambition of turning every accumulated point into practical, everyday value across life’s moments.
Mr. Krittee Manoleehagul, CEO of PointX Company Limited, said, “Points have traditionally been viewed as ‘forgotten value,’ as they are often fragmented across multiple platforms and come with various usage limitations. However, data from the POINTX application in Q1 2026 clearly reflects a significant shift in consumer behavior compared to the previous year, with users increasingly leveraging their points to manage everyday expenses.
More than 43% of point redemptions were used for cashback and credit card bill payments, followed by product and e-coupon redemptions at 29%, and airline miles at 16%. Overall point usage grew by 217% compared to the same period last year*, while point usage via QR code scanning increased by 123%, and online shopping through mobile banking rose by over 113% (*Q1 2026 compared to Q1 2025).
Based on these trends, POINTX aims to redefine points from ‘hard-to-access rewards’ into ‘everyday value,’ by removing limitations and enhancing flexibility, enabling users to conveniently integrate their accumulated points into daily life, making them more convenient and delivering truly meaningful value.”
Driving 2026 with “The Ultimate Connectivity Platform”
This year, POINTX continues to strengthen its leadership in the points platform market by advancing its business under the concept of “The Ultimate Connectivity Platform.” The company aims to deliver three core values to consumers: Value— broadening day-to-day value from points; Choices — increasing the freedom to use points from more sources; and Flexibility — making point usage smooth and convenient across all channels. To translate these benefits into practical outcomes, POINTX will strengthen three connectivity dimensions:
- Group Connectivity: Connect capabilities across SCBX Group to broaden earning and usage for customers holding all types of SCBX credit and debit cards as well as SCB EASY APP, reaching a combined customer base of over 17 million users
- Partner Connectivity: Collaborate with leading partners across multiple industries to widen both point transfer and point-use options.
- Omni-Channel Connectivity: Enable seamless usage across in-store, online, and partner platforms so points can be used at every life moment.
POINTX has recently partnered with global partner Expedia Group to launch XTravel, Powered by Expedia — a next-generation travel platform seamlessly integrated with the POINTX app. Users can search and redeem points toward flights, hotels, and travel services worldwide, all within a single app. XTravel is accessible exclusively via the POINTX app.
Ms. Carolina Cabero, SVP B2B Sales, Expedia Group said, “Traveler behavior has shifted significantly, especially in Thailand, where consumers increasingly rely on mobile to search and book travel. Convenience, speed, and real-time access to information are now their priorities. At the same time, travel has become one of the most sought-after benefits — an experience that offers more perceived value than simple discounts or cashback. Expedia Group data also shows that 82% of consumers prefer to book travel on platforms where they are already members, provided the platform is trusted.”
She added, “This collaboration with POINTX brings Expedia Group’s global travel technology and network into the POINTX ecosystem through XTravel. Users can search, compare, and book flights and accommodation worldwide within a single app, check and use their points in real time, and combine points with credit or debit card payments. Together, we are turning accumulated points into seamless travel experiences.”
POINTX partners with SCB, CardX, The Mall Group, and leading partners — making points more valuable for consumers
Additionally, POINTX continues to collaborate with many leading partners across the SCBX Group and Thailand’s leading organizations to further expand the breadth and depth of usage — across earning, transferring, and redeeming.
SCB views the integration of POINTX points with SCB LET’S debit cards under the concept of “Spend and Earn Points” as a new standard for debit cards in Thailand—transforming their role from a “cash withdrawal tool” into a more rewarding and practical everyday spending option. Customers can now earn points from everyday transactions and redeem them in a variety of ways.
CardX has found that after integrating points with POINTX, customers have been redeeming their points more consistently. This reflects how the platform serves as an accessible, convenient tool for point redemption, allowing users to redeem instantly at any time. It enhances the Loyalty Program, helping to create a better customer experience and support sustainable growth in card spending.
Meanwhile, The Mall Group sees its partnership with POINTX as enabling true flexibility for customers—from cross-platform point transfers and in-mall earning points back via QR code payments, as well as redeeming products and e-Coupons across The Mall Group’s network via XStore—allowing for a truly seamless experience.
These are a few examples of a growing network. POINTX is working with many top-tier partners across industries to expand the role of points as a tool for value and everyday experience — so everyone can keep using points continuously, in every situation.
“Our ambition goes beyond being a points collection and redemption app. We are committed to strengthening our leadership as a ‘Point Platform’ that seamlessly connects point accumulation, privileges, and everyday lifestyle experiences—elevating the role of points to deliver greater value than ever before and create better user experiences. At the same time, POINTX serves as a key enabler for SCBX Group and its partners to deepen customer engagement, unlock new business opportunities, expand their customer base, and achieve sustainable growth together.” Mr. Krittee concluded.
