Make India’s
Premium Card Holders,
Your Customers! PaybyPoints

pinelabs rewards The True Joy of Spending

PaybyPoints enables merchants to accept Rewards Points as a payment mode for goods and services purchased by Card Holders*, redeemed instantly @POS. It also facilitates merchants to build loyalty among these Card Holders* by issuing Bonus Rewards Points for their purchases. It creates a great pull for the customers as they experience “The True Joy of Spending”, with instant gratification through real time conversion of points into currency.

Participating Partner Cards*

  • Payback
  • American express
  • Axis bank
  • Citibank
  • Sbi
  • Central bank of india
  • Bank of india
  • Union bank of india
  • Pnb
  • And Many More..



  • Increased level of engagement with card holders
  • Preferred card status with attractive reward redemption & bonus offers
  • Exciting redemption options even for low point balances
  • Seamless ride on Pine Labs merchant store network
  • Elimination of inventory/cost of delivery against online reward point redemption
  • Automation of PaybyPoints @POS


  • A ready- to-use solution
  • Exposure to partner bank customer base looking for reward point redemption
  • Seamless redemption of reward points on participating cards @POS
  • Run loyalty programs & incentivize customers on every repeat purchase
  • Increase brand visibility with in-store promotion & social media marketing
  • Brand recognition with cross industry promotion & branding communications


  • Instant gratification with PaybyPoints @POS
  • Most convenient way to redeem reward points even with low point balance
  • Widest range of Merchant outlets to redeem & earn bonus reward points
  • Upcoming App “PineOffers” to search PaybyPoints partner merchant network