Good money habits should pay you back. VIKAM rewards you with real value — not points you can't use — every time you save, pay a bill, or grow your circle.
Ways to earn
- ₹51 welcome bonus when you sign up and complete your profile.
- Daily scratch cards for keeping your savings streak.
- Festival gold — earn digital gold on Diwali, Dhanteras, and regional festivals.
- Refer & earn — invite a friend; you both get rewarded when they start saving.
- On-time bonuses for paying bills and circle contributions on time.
What you can win
- Mobile & DTH recharge
- Digital gold
- Cash you can withdraw straight to your bank
Fair and simple
- Rewards are for using the app honestly — bonuses may be reversed in case of fraud or abuse.
- Rewards are promotional and may change over time.
- Earning rewards is never tied to taking a loan or sharing data with a lender — those are always separate, optional choices.
See the Terms of Service for full reward terms.