Everyone talks about reward points and programs but no one talks about its actual benefits. Unless it’s Indiabulls Dhani, a revolutionary personal finance app for instant personal loans and other financial activities like bill payments and travel booking. One such complementary feature of Dhani is its reward points system where users can earn points, which can be converted into actual money to use for financial transactions. And it is one of the most unique financial tools available in India.
Let’s understand what and how Dhani Points is the best reward points program in India.
What is Dhani Points?
Dhani Points is a reward program in the Dhani personal loan app which allows users to earn points for every transaction that they make through the app. These transactions can be anything from loan mobile recharge to travel booking to utility bill payments.
Its uniqueness comes from the fact that it is the first such feature on a personal loan app in India, where it doubles up as a loyalty program for users.
Anyone who uses the Dhani app can take benefit from Dhani Points along with other features such as Dhani Wallet, Indiabulls Partner, Credit Line, and Games.
How to Earn Dhani Points?
Following are some of the most common ways to earn Dhani Points:
- Refer a friend to use the Dhani app and earn 1,000 points
- Carry out bill payments and recharges and earn 20 points per transaction
- Earn 20 points for travel & hotel booking
- Play ‘Spin the Wheel’ game through the Dhani app and earn points daily
Considering the several financial transactions that an individual makes on a monthly basis, the amount of points that one can earn is considerable enough. When these points accumulate, they can be used as real money for further transactions.
For example, a user who wants to book a flight from Mumbai to Delhi can make the transaction through the app. This will not only let him use the discounts available through the app but also gain points for that transaction.
How to Redeem Dhani Points?
Users can redeem the points for any of the several financial transactions through the app. They can book a flight (through partner Cleartrip) and make bill payments and mobile recharges.
Dhani Points can actually make one’s EMIs cheaper, which makes it one of the first apps in India that makes EMI cheaper. The idea is that when a user pays their EMI on time, their earned Dhani Points will be converted into equal amount of cash in their e-wallet. This can be redeemed for any financial transaction like flight booking or mobile recharge. According to Dhani’s current user base, this is one of the most popular feature of the app.
One thing to note here is that Dhani Points have to be redeemed through Dhani Wallet which is another additional feature that Dhani users get. Along with the wallet, users also get virtual and physical cards through which they can transact across 30 lakh merchants both offline and online. This card also comes with 2% cashback on all card transactions along with Rupay offers.
When all of this comes together, the Dhani environment acts as a one-stop solution for everything related to personal finance. This is what makes it one of the most useful and resourceful finance apps in India.