Grocery loyalty programs save the most money when they discount items already on your list, rather than tempting you toward extras.

Member-only prices, digital coupons, and personalised offers are the core benefits to compare, since they drive most of the savings.

Fuel points and partner rewards can add value if you already buy fuel or shop at partner stores, but they should not decide the program alone.

Check whether a program requires a paid tier, and calculate whether the extra benefits genuinely beat the free tier for your spending level.

Stack loyalty prices with store coupons and cashback where allowed, and review your savings monthly to keep the program working for you.