What the messages claim
A new wave of text message scams is using the language of loyalty programmes and “rewards points” to pressure recipients into acting quickly. The messages typically say a large points balance is waiting, warn that it will expire within a few days, and instruct the recipient to click a link to secure a prize.
To appear credible, the texts often include a specific points total and a deadline, creating a sense of urgency. The pitch is framed as a benefit the user has already earned, rather than a purchase.
How the scam works
The fraudulent link usually leads to a website designed to look like a legitimate rewards or customer benefits page. Recipients are told they can redeem the points for an item, but must pay a small amount for postage or delivery.
That “postage” step is central to the scheme. By asking for a modest payment, the scammers encourage victims to enter card details and other personal information. In some cases, the aim may also include collecting names, addresses, and contact details under the pretence of shipping a reward.
Why it can be convincing
Scam texts can be effective because they resemble routine marketing messages and rely on familiar patterns such as expiring offers and limited-time redemptions. A specific points figure and short time window can make the message feel tailored and time-sensitive.
The promise of a prize for a small fee can lower suspicion, as the request appears minor compared with the perceived value of the reward.
Common warning signs
Key red flags include unexpected messages about points balances, links that do not clearly match the official web address of the brand being referenced, and demands to act immediately to avoid losing benefits.
Requests for payment to “unlock” a reward, especially when tied to short deadlines, are another warning sign. Legitimate loyalty programmes typically do not require users to enter payment details through unsolicited links sent by SMS.
What to do if you receive such a text
Consumers are advised not to click on links in unexpected reward-related texts. Instead, they can check any points balance or redemption options by using the official app or website of the relevant company, typed directly into a browser.
If a payment has been made or card details have been shared, users should contact their bank or card provider promptly to discuss the transaction and secure the account. Recipients can also keep a record of the message and link for reporting through their phone’s spam-reporting tools.