Starter
- Welcome benefits where applicable
- Basic eligible spend rewards
- Access to partner offers
Earn on eligible spends
Redeem approved benefits
Rewards may reverse after refunds
Reward Structure
Example reward tiers for program communication.
Plus
- Higher campaign visibility
- Selected pharmacy or diagnostic offers
- Monthly benefit tracking
Care Circle
- Family healthcare spend insights
- Priority campaign access where available
- Special partner-led benefits
Earn & Redeem Flow
How rewards move from spend to redemption.
Make eligible payment
Use HealthPocket at a supported healthcare merchant or partner.
Transaction checks
Merchant category, amount, cap and offer conditions are evaluated.
Reward becomes visible
Rewards may show instantly, pending or after settlement depending on rules.
Redeem benefit
Use eligible points, vouchers or partner offers through approved channels.
Adjust if refunded
Refunded or disputed transactions may reduce or cancel rewards.
Program Rules
Important reward rules users should know.
Eligibility
Only qualifying transactions under supported categories, partners, caps and active campaign rules may earn rewards.
Crediting
Rewards may be credited instantly, after settlement or after partner confirmation depending on transaction type.
Expiry
Points, vouchers or offers may expire. Users should check expiry dates before planning redemption.
Redemption
Rewards may be redeemable through selected channels and may not always be convertible to cash.
Reversal
Rewards can be reversed when a transaction is refunded, cancelled, disputed, suspicious or later found ineligible.
Want to understand card usage first?
Read the detailed How It Works page before relying on reward benefits.