Swipe. Tap. Earn Gold.

Make every spend rewarding — earn instant, assured gold with every UPI, wallet, or card payment on Oxymoney

Every Spend Deserves Gold

You spend every day — bills, coffee, travel, shopping. Why should those spends give you nothing back? Oxymoney makes every eligible transaction rewarding by crediting instant gold to your account.

Safe, secure, and

RBI Compliant

Gold on eligible spends

instant & automatic

One app

for payments, cards, and rewards

How Your Spend Turns Into Gold

Step 1

Scan & Download the Oxymoney App.

Step 2

Quick KYC Verification
 Verify your mobile number (OTP).

Step 3

Load Your Digital Card (Wallet)Add money instantly .

Step 4

 Get Your Physical Card. Receive your Oxymoney prepaid card for use across POS, ATMs & more.

Step 5

Spend & Earn Gold Everywhere. Use your card for food, cab bookings, shopping & more.

Smarter Together: App + Cards.

 The Oxymoney app is your control center; cards are the tools that make spending simple and secure.

Bills & Recharges

  • Quick bill pay in seconds.
  • Auto-pay via loadable cards

UPI & Transfers

  • Scan & pay or bank transfer.
  • Link cards and see everything in one place.

Shopping & E-com

  • Earn gold at checkout.
  • for controlled and secure spending.

Gift Cards

  • Buy/send instantly
  • One-time, non-reloadable gift cards

Choose Your Card, Your Way.

No matter how you spend, there’s an Oxymoney card built just for you

Features
Validity
Reward Benefit
Application Requirement
Transaction Limit
Acceptance
Design/Use Case
Prepaid Card
Reloadable for up to 5 years
Earn gold on every transaction
Apply with just a single document
₹10,000 monthly (upgradable)
Accepted at all RuPay merchants across India
For everyday payments & personal use
Gift Card
One-time load, valid as per issuer terms
Ideal for gifting (no reward accrual)
Minimal KYC / simple issuance
As per gift value (fixed load)
Accepted at all RuPay merchants across India
Gift-friendly design, suitable for all occasions

Your Daily Spends, Now Rewarded.

No matter how you spend, there’s an Oxymoney card built just for you

Bills & Recharges

Pay electricity, gas, mobile or DTH bills — and earn gold instantly.


UPI & Transfers


Scan-to-pay, send to friends, or transfer to bank accounts UPI payments earn gold.


Shopping & E-commerce


Pay at your favourite stores and online merchants eligible purchases add gold to your wallet.

Travel & Bookings

 Flights, hotels or cab bookings book with Oxymoney and get rewarded.

Fuel & Meals


Spend fuel and food cards linked to the app controlled spends that still earn gold.

Subscriptions & Recurring

OTT or subscription renewals via e-mandate/UPI AutoPay recurring payments that keep giving.

Your Guide to Smarter Rewards

Eligibility

Gold rewards apply to eligible transactions as defined in-app. Some categories or promotions may be excluded.

Instant Crediting

Gold is credited immediately after validation — no waiting.

No Manual Claims

Rewards are automatic; no receipts or forms required.

Safety & Compliance

Powered by industry-grade security and compliance.

Redemption & Expiry

Check in-app terms for redemption options and expiry rules.

Gift Cards

Non-reloadable; balance available until redeemed or expired.

Powering Everyday Payments. Rewarding You in Gold. On Every Spend.

Start earning gold on your next payment

Powering Everyday Payments. Rewarding You in Gold. On Every Spend.
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Start earning gold on your next payment

Download Oxymoney and turn every payment into a reward.

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