Each month we collect monthly perks based on our game activity. I decided to investigate how it grows.
The first four groups use a factor that is multiplied times how much you spend in coins, gems, avatar tokens and building bucks. The factor before getting the vault boost is 0.002 and after getting the vault boost is 0.004. So one strategy is to avoid spending (beyond challenges) until you get the 0.004 factor.
What that means that if I now played 250,000,000 on Blackjack, had a double down for an additional 50,000,000, my coin perks would increase by 30,000,000 x 0.004 or 1,200,000 coins.
If I spend 1000 gems in a party, my gems perk would increase 1000 x 0.004 or 4 gems.
If purchased a tier 14 building for 125,000,000 building bucks, my building bucks perk would increase 125,000,000 x 0.004 = 500,000.
If you use gems to purchase buildings, you get an increase in perks for BOTH gems and building bucks. For example, I spend 5000 gems for that T14 building. That means I get gem perks of 20 gems for purchasing building bucks and then I get the 500,000 building bucks perk as well.
Same for avatar tokens. If I spend 2000 in the avatar shop I get 2000 x 0.004 = 8 avatar token perks. And If I use gems, I would receive increases in both avatar token and gems perks.
The Special perk is based on on how many points you get during the month. The reward changes from month to month. December, we get 16000 coins for each point. I currently have 16000 x 745 = 11,920,000 coins. This includes points you get after completing all your challenges. To maximize my points, I usually change out all my daily challenges that are only 10 points.
The VIP loyalty award is self-explanatory, not based on game play.
Hope this helps.