“The True Joy of Spending”

Pay with Reward Points


Locate Your PaybyPoints Merchant Store!

  • American Express
  • Citibank
  • Axis Bank
  • All Banks
  • Consumer Durables
  • Supermarkets
  • Apparel
  • Mobile
  • Restaurants
  • Health and Beauty
  • Mobile & Consumer Durables
  • Books & Stationery
  • Entertainment
  • Kitchen Appliances
  • Others

About PaybyPoints

PaybyPoints brings you the convenience to pay for goods & services with reward points accrued on various participating cards. The True Joy of Spending is when your points are instantly converted into currency.

It’s a win-win situation for the Cardholders as you can:

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Pay for your purchases with the points accumulated on your card

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Earn Bonus Rewards Points at selected merchant outlets

Don’t pay with cash or by card. Pay by reward points and experience
“The True Joy of Spending”

Key Benefits

Simple and seamless platform to create more value for Card Holders

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Instant Gratification

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Reward Points Redemption
@ Point Of Sale

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Widest Range of Merchant Stores to Earn & Pay with Points

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Bonus Rewards Points
@ Select Merchants

How it Works ?

Easy steps for availing PaybyPoints service at our merchant stores

For Rewards Points Redemption

  • Select Product / Service
  • Choose Rewards Points for Payment
  • Instant Redemption

Note: Payment with Points + Other mode is also available

For Bonus Rewards Points Issuance

  • Select Product / Service
  • Make a Payment
  • Bonus Rewards Points are Credited

Note: Eligible Points are credited by Participating Partner within 90 working days

Our Participating Partners

Take a look at our esteemed banking and loyalty partners on PaybyPoints platform

  • payback
  • american express
  • axis bank
  • citibank