Abstract: A method of using a Zero Cost Loyalty & Consumer Engagement Program comprising the steps of (1) consumer paying a subscription fee to enroll, (2) the company sending a welcome kit detailing the program features, benefits and process, (3) the consumer being credited with the notional currency of the program, (4) the consumer bidding for rewards from an auction catalogue published periodically, (5) the company posting the data entry into the database and validation of the accrued currency claim, and (6) the company issuing a winner report detailing the number of winners & the said rewards, characterized in that the said subscription fees received from the consumers in the said consumer loyalty program generates funds for the implementation of the said program and creates zero cost for the said company.