The story behind the idea

It started with my father

At 71, my father had spent a lifetime earning carefully, saving patiently, and putting his family first. I wanted to give him a journey he had never allowed himself to imagine. We travelled from India to Doha and Dubai, using points, miles, and benefits I had learned to navigate.

At first, he worried about the cost. Every comfortable seat and hotel welcome felt like something we should not be spending on. Then I explained how the rewards worked. His worry slowly gave way to curiosity. He began to enjoy the experience. What stayed with me was the dignity of that change.

I could arrange that journey because I had access to premium cards and knew how to use them. My father had the discipline, but not the same access. That difference became the question behind PARK[N]PERKS: how could we build for people outside those privileged networks?

We are working backwards from the experience we want more people to have. The first step is PARK[N]PERKS Lifestyle. Alongside it, we are developing Enterprise for growing businesses and a Loyalty Rail to connect eligible memberships and rewards. The aim is to make the value of everyday customer relationships easier to understand and use.

We call it building for the other 99%. It is a statement of intent: thoughtful experiences should reach beyond premium credit cards and high-net-worth status. Our journey begins with commerce and loyalty. Our long-term ambition reaches further.