{"id":10000,"date":"2026-07-23T14:22:09","date_gmt":"2026-07-23T08:52:09","guid":{"rendered":"https:\/\/www.fatakpay.com\/blog\/?p=10000"},"modified":"2026-07-23T16:07:11","modified_gmt":"2026-07-23T10:37:11","slug":"fatakcoins-earn-and-redeem-rewards","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/refer-and-earn\/fatakcoins-earn-and-redeem-rewards\/","title":{"rendered":"FatakCoins: Earn, Collect and Redeem Rewards Every Time You Use\u00a0FatakPay\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Every time you use&nbsp;FatakPay, there is a good chance you are also earning something back in return.&nbsp;FatakCoins&nbsp;are the apps in house reward points, designed to give users a little extra value for the actions they already take, whether that is referring to a friend, taking part in a campaign, or completing certain qualifying activities. If you have noticed these coins sitting in your dashboard and wondered what they&nbsp;mean, how to use them, or when they might expire, this guide walks you through everything you need to know.&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fatakpay.com\/blog\/refer-and-earn\/fatakcoins-earn-and-redeem-rewards\/#What_Are_FatakCoins\" >What Are&nbsp;FatakCoins?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/refer-and-earn\/fatakcoins-earn-and-redeem-rewards\/#Value_and_Conversion_Rate\" >Value and Conversion Rate&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/refer-and-earn\/fatakcoins-earn-and-redeem-rewards\/#How_to_Use_Your_Coins\" >How to Use Your Coins&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/refer-and-earn\/fatakcoins-earn-and-redeem-rewards\/#Expiry_and_Limitations\" >Expiry and Limitations&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/refer-and-earn\/fatakcoins-earn-and-redeem-rewards\/#Reversals_and_Adjustments\" >Reversals and Adjustments&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/refer-and-earn\/fatakcoins-earn-and-redeem-rewards\/#Conclusion\" >Conclusion&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Are_FatakCoins\"><\/span><strong>What Are&nbsp;FatakCoins?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FatakCoins\u00a0are reward points issued within the\u00a0<a href=\"https:\/\/link.ftkp.in\/2uSI\/dkasgvnf\" target=\"_blank\" rel=\"noopener\">FatakPay\u00a0app<\/a>. Users earn them through:\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Referrals\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ongoing campaigns\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Specific qualifying user actions\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">They function as a loyalty layer inside the app, letting users convert everyday activity into tangible savings on future products.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Value_and_Conversion_Rate\"><\/span><strong>Value and Conversion Rate<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The value of a&nbsp;FatakCoin&nbsp;is fixed, but it is worth understanding exactly how it translates into real money.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Metric<\/strong>&nbsp;<\/td><td><strong>Value<\/strong>&nbsp;<\/td><\/tr><tr><td>Official conversion rate (Terms &amp; Conditions)&nbsp;<\/td><td>10&nbsp;FatakCoins&nbsp;= \u20b91&nbsp;<\/td><\/tr><tr><td>Dashboard display rate&nbsp;<\/td><td>100&nbsp;FatakCoins&nbsp;= \u20b910 Savings&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Note: The coin to INR ratio is subject to change at the sole discretion of&nbsp;FatakPay, so it is worth checking the current rate in the app before planning a redemption.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Use_Your_Coins\"><\/span><strong>How to Use Your Coins<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FatakCoins&nbsp;are not a cash equivalent in the traditional sense.&nbsp;They cannot be withdrawn as cash, and they cannot be transferred to another user.&nbsp;Their value can only be unlocked within the&nbsp;FatakPay&nbsp;app itself, against a set of eligible products.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Currently eligible offerings include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Membership Plans: Get up to \u20b9250 off on a Smart or Protect+ Plan.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fatak Udaan: Get up to \u20b9200 off on the Credit Builder Program.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loans\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insurance\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Digital Gold\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This means the best strategy is to think of&nbsp;FatakCoins&nbsp;as a discount wallet for products you already plan to use, rather than a source of liquid cash.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Expiry_and_Limitations\"><\/span><strong>Expiry and Limitations<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Like most reward systems,&nbsp;FatakCoins&nbsp;do not last forever, so it pays to redeem them before they lapse.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Rule<\/strong>&nbsp;<\/td><td><strong>Detail<\/strong>&nbsp;<\/td><\/tr><tr><td>Standard validity&nbsp;<\/td><td>12 months from the date of credit, unless otherwise specified&nbsp;<\/td><\/tr><tr><td>Unclaimed coins&nbsp;<\/td><td>May expire after 6 months in certain cases&nbsp;<\/td><\/tr><tr><td>Reinstatement&nbsp;<\/td><td>Not possible once coins expire, they disappear automatically&nbsp;<\/td><\/tr><tr><td>Redemption caps&nbsp;<\/td><td>May apply per transaction, per product, or as usage restrictions&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reversals_and_Adjustments\"><\/span><strong>Reversals and Adjustments<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FatakPay&nbsp;reserves the right to adjust a user&#8217;s coin balance or restrict future redemptions under certain circumstances. This can happen if:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The underlying qualifying transaction is reversed or cancelled\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fraud or misuse is detected after the reward has already been issued\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Coins were credited due to a technical or operational error\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These safeguards exist to keep the reward system fair and to protect it from misuse.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FatakCoins&nbsp;are ultimately a simple idea wrapped in a well-structured system, a way for&nbsp;FatakPay&nbsp;to say thank you for using the app while nudging users toward products that add real value, such as membership plans, credit building tools, loans, insurance, and digital gold. They are not designed to replace cash or serve as a standalone income&nbsp;stream and&nbsp;understanding that distinction early on helps set the right expectations. Instead, think of them as a layer of ongoing value that builds quietly in the background every time you refer a friend, take part in a campaign, or complete a qualifying action within the app.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The key to making the most of them is to stay&nbsp;organized&nbsp;about a few simple things. Keep an eye on the current conversion rate, since it can change at&nbsp;FatakPay&#8217;s&nbsp;discretion and directly affects how much your coins are worth at any given time. Track expiry timelines&nbsp;closely, since&nbsp;coins that sit unused for too long can lapse and cannot be reinstated once they do. And plan your redemptions around products you were already intending to use, whether that is a membership plan, a loan, insurance, or digital gold, so that the discount feels like a genuine bonus rather than a reason to make an unplanned purchase.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is also worth remembering that the system is built with fairness in mind. Reversals, cancellations, fraud checks, and corrections for technical errors all exist to make sure that the rewards being handed out reflect genuine, qualifying activity, which&nbsp;ultimately protects&nbsp;the value of the coins for everyone using the platform. Used thoughtfully, and with a bit of regular attention to your dashboard,&nbsp;FatakCoins&nbsp;can turn routine activity on the app into small but meaningful savings over time, quietly rewarding the habits you already have rather than asking you to change the way you use&nbsp;FatakPay.&nbsp;<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 1,\n      \"name\": \"Home\",\n      \"item\": \"https:\/\/www.fatakpay.com\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 2,\n      \"name\": \"Blog\",\n      \"item\": \"https:\/\/www.fatakpay.com\/blog\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 3,\n      \"name\": \"Refer and Earn\",\n      \"item\": \"https:\/\/www.fatakpay.com\/blog\/refer-and-earn\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 4,\n      \"name\": \"What are FatakCoins? Earn & Redeem Rewards on FatakPay\",\n      \"item\": \"https:\/\/www.fatakpay.com\/blog\/refer-and-earn\/fatakcoins-earn-and-redeem-rewards\/\"\n    }\n  ]\n}\n<\/script>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BlogPosting\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.fatakpay.com\/blog\/refer-and-earn\/fatakcoins-earn-and-redeem-rewards\/\"\n  },\n  \"headline\": \"What are FatakCoins? Earn & Redeem Rewards on FatakPay\",\n  \"description\": \"Learn what FatakCoins are, how to earn, redeem, and use them. Save on loans, insurance, digital gold, memberships, and more with FatakPay rewards.\",\n  \"image\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\",\n  \"author\": {\n    \"@type\": \"Organization\",\n    \"name\": \"FatakPay\",\n    \"url\": \"https:\/\/www.fatakpay.com\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"FatakPay\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\"\n    }\n  },\n  \"datePublished\": \"2026-07-23\",\n  \"dateModified\": \"2026-07-23\"\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Every time you use&nbsp;FatakPay, there is a good chance you are also earning something back in return.&nbsp;FatakCoins&nbsp;are the apps in house reward points, designed to give users a little extra value for the actions they already take, whether that is referring to a friend, taking part in a campaign, or completing certain qualifying activities. If<\/p>\n","protected":false},"author":1,"featured_media":10016,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[668],"tags":[],"class_list":["post-10000","post","type-post","status-publish","format-standard","has-post-thumbnail","category-refer-and-earn"],"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/10000","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=10000"}],"version-history":[{"count":1,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/10000\/revisions"}],"predecessor-version":[{"id":10001,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/10000\/revisions\/10001"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media\/10016"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=10000"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=10000"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=10000"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}