tag icon Rewards Plus

Rewards
Reimagined.

Move beyond rigid loyalty programs to a flexible, programmable rewards system that unifies every product, every channel, and every customer journey.

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Rewards Plus
Built from the Ground Up for Modern Banking Complexities

Rewards shouldn't operate in silos, but legacy systems do. Bring accrual, engagement, and redemption across your entire banking portfolio into a unified, real-time system.

Accrual

ACCRUAL

One customer, one view. Across every banking product.

Unify bank-wide loyalty through a single multi-currency ledger. Whether it’s points, cashback, or partner miles, manage every banking event under a single customer view without losing product-level accounting precision.

Ubiquitous Currency Management

Support points, cashback, tier currency, partner miles, and custom rewards side-by-side. Each with its own accrual rules, capping, expiry, and accounting — unified under a single customer view.

Cross-product Attribution

Earn on credit, UPI, BNPL, deposits and lending products. Aggregate rewards at the customer level while maintaining strict ledger isolation at the product level.

Dynamic, Behaviour-led Rule Engine

Configure base earn structures, accelerated rewards, boosters, milestone incentives, tier programmes, and fee-linked benefits, without code. Multi-level rules adapt to how customers actually spend, not static categories.

ENGAGEMENT

Rewards baked into your digital channels, not bolted on.

Rewards aren't a standalone programme but an integral part of your engagement engine. Make every customer interaction an opportunity for growth.

Rewards Plus mockup

Journey-aware Rewards

Trigger rewards based on lifecycle stage — new-to-bank, dormant, pre-churn, or high-value. Rewards become a retention tool, not just a spend incentive.

Campaign and Targeted Rewards

Run activation campaigns, spend milestone incentives, dormancy reactivation programmes, and behavioural nudges — all configurable without engineering dependency.

Omnichannel Loyalty Experiences

Deliver consistent rewards experiences across your app, web, and POS. Redemption stays inside your bank's digital assets, not a redirect to a third-party portal.

REDEMPTION

Any partner.
One integration.

Eliminate catalogues and third-party redirections. Plug into your preferred ecosystem through a single API layer that unifies redemption across partners and platforms.

Rewards Plus redemption mockup

Native, in-app Redemption

Redemption lives inside your bank's existing digital assets. Customers stay in your app, reinforcing your brand throughout the experience, not a redirect to a third-party portal.

API-first Fulfillment

Connect to gift card networks, travel aggregators, merchant cashback platforms, or bespoke brand partnerships in days. A standardised API layer means no new integration project for each new partner.

Redemption without Reconfiguration

Add new redemption channels or partners without touching accrual rules, ledger configurations, or mobile releases. The redemption layer remains independently extensible.

Engineered for edge cases, not around them

Transaction rewards are the most complex loyalty accounting problem in banking. Every edge case is handled out of the box, so your team never has to build workarounds.

Credit Card

Transaction Complexities

Refunds and reversals
EMI conversions
Forex transactions
Surcharge handling

User Management

Block Code Handling
Card Upgrades and Variants handling
Add-on Card rewards

Operational Controls

Posting of benefits
Rewards Management with max/min caps
Category Inclusion/ Exclusion

INTEGRATION

Fits into your existing architecture. Zero disruptions.

Modernising rewards shouldn't require a core banking overhaul. Rewards Plus acts as a sophisticated orchestration layer that sits alongside your existing processor.

Plug-and-play Integration

Connect via standard APIs to your existing core banking, card processor, and mobile app without rewiring architecture or impacting current operations.

Plug-and-play Integration

Bank-grade Compliance

Maker-checker, RBAC, audit logs, and on-prem/VPC deployment options ensure regulatory and infosec requirements are met out of the box without custom compliance work.

Bank-grade Compliance

Fast, Flexible Set-up

Stress-test complex reward constructs using sandbox environments and simulators before production. Launch without IT dependency or operational overheads.

Fast, Flexible Set-up

Upgrade your Bank Rewards Infrastructure

Build a modern loyalty program with the flexibility, control, and scalability your portfolio needs.

Legacy Systems

Product silos
Single currency
Locked to specific redemption partners
File-based ops, batch settlement
Months to launch new constructs
Separate redemption portals
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Rewards Plus

Unified customer view
Muti-currency, custom tiers
Any redemption partner or platform, open APIs
Real-time, event-driven
No-code, new constructs at speed
Native in-app experience