Points are only worth something if people can spend them.
Most loyalty programmes fail at the last step — a catalogue nobody wants. Ours lets people move points onto a card balance or straight onto their own electricity bill. One rules engine runs customer loyalty, employee recognition and dealer schemes, and finance can see the liability in rupees.
Redemption people actually want.
A point that can only be swapped for a branded mug is not a reward. A point that becomes money on a card, or pays the electricity bill, is.
Redeem to card balance
Points convert to a prepaid balance the person can spend anywhere the card is accepted. No catalogue, no shipping, no disappointment.
Redeem to a bill
Points settle the person's own electricity, mobile or gas bill on Bharat Connect. It is the redemption Indian households value most.
One engine, three audiences
Customer tiers, employee recognition and dealer slab schemes run on the same rules engine and the same ledger, so nothing is built twice.
What is in the box.
Earn rules by any dimension
Points per rupee by category, merchant, product, channel, time of day or customer tier. Rules can be layered and time-boxed for campaigns.
Tiers with real benefits
Define tiers by spend, frequency or points, with multipliers, free reissue, priority support or partner perks. Movement between tiers is automatic and explained to the member.
Streaks, milestones and festival bonuses
Reward the third visit in a month, the first anniversary, or every transaction in Diwali week. Configured by your team, not by a release cycle.
Slab and target schemes
For dealers and distributors: define quarterly targets and slab rates, track progress live, and pay out the moment a target crosses.
Referral and advocacy
Points for a successful referral, credited to both parties, with fraud checks on circular or self-referrals.
Manager-awarded recognition
Let managers give spot awards from their phone within a budget you set. The recipient sees it the same minute.
To a card balance
Points become money on the member's prepaid card at a rate you set, spendable anywhere the card is accepted.
To a bill on Bharat Connect
Members pay their own utility, mobile or gas bill with points. Settled on the network with a receipt.
Vouchers and partner catalogue
Where you want them, brand vouchers and a partner catalogue are available alongside — never instead of — cash-equivalent redemption.
Expiry, breakage and clawback rules
Points expiry by age or inactivity, with reminders before they lapse. Clawback on refunds and reversals is automatic.
Liability in rupees, in real time
Outstanding points valued at redemption rate, breakage estimates, and expiry forecasts, on a dashboard and in the export.
Scheme budgets with hard stops
A dealer scheme cannot pay out beyond its budget. Approvals kick in as a scheme approaches its ceiling.
Audit trail on every point movement
Earn, adjust, redeem, expire — every movement carries who, when, which rule, and which transaction.
Member app and web wallet
Balance, tier, history, upcoming expiry and one-tap redemption. Branded to you. Hindi and English.
Statements and notifications
Monthly statements, earn confirmations, tier changes and expiry warnings by app, SMS, WhatsApp or email, subject to consent.
Dealer and partner portal
Progress against target, slab position, payout history and scheme documents, for channel partners who are not your employees.
Built on real transactions
Because spend data is on the same ledger, earn rules run on actual card and bill activity — not on data someone typed in later.
Segments feed engagement
Members who are close to a tier, about to lapse, or have never redeemed become segments in the engagement product automatically.
From a rule to a redeemed point.
Design the scheme
Who earns, on what, how much, and how they redeem. Customer tiers, a recognition budget, a dealer slab table — or all three.
Enrol members
Customers join through your app or at checkout; employees and dealers are uploaded in bulk. Every member gets a wallet and, where relevant, a card.
Earn, automatically
Points accrue as transactions clear on the platform. Manager awards and target crossings are credited the moment they happen.
Redeem to money
Members move points to their card balance or pay a bill. Finance sees the liability fall in real time.
Three audiences, one engine.
Retail and D2C brands
A loyalty tier that recognises the shopper in store and in app, with redemption that feels like cash.
Manufacturers and distributors
Dealer slab schemes paid out to a card on the day the target is hit, replacing quarterly credit notes.
Employers
Spot recognition, long-service awards and festival bonuses on a card, without running them through payroll.
NBFCs and insurers
Points for on-time EMI or premium payments, redeemable against the customer's next bill.
Fuel and transport
Fleet driver incentives tied to actual fuel-card behaviour, paid to the driver's own card.
Hospitality
Guest loyalty that works across properties and pays out to a balance usable at any of them.
Questions about rewards.
Who holds the money behind redeemed points?
How is the points liability accounted for?
Can we run a customer programme and a dealer scheme separately?
What stops people gaming the rules?
Do points expire?
See it with your own numbers.
A 30-minute call, a straight answer on timeline and cost, and partner licence details for your compliance team.