Every payment moves you forward.
After your first Creddy, eligible reloads, bill payments and Creddy settlements earn Creddy Points. Points move you into higher Creddy brackets and limits.
- Points on eligible reloads and bill payments
- Bonus points for regular activity
- Track your progress in the app


How points work
Use PayMaster, earn points, unlock more.
Take your first Creddy
Points start after your first Creddy facility.
Pay as usual
Eligible reloads, bills and other activities earn points.
Settle Creddy
Creddy settlements also earn points.
Reach a new bracket
Your points decide your Creddy bracket.
Unlock your limit
Each bracket has its applicable Creddy limit.
Always know where you stand
The Point History screen shows how close you are to your next level.
- Total Creddy PointsAll the points you have earned.
- Earned this levelPoints earned in your current Creddy level.
- To next levelPoints needed to reach the next level.
- Activity listEach activity and the points it earned.
- Instant feedbackSee the points you earned on the success screen after each eligible payment.

Ways to earn points
Reloads
Eligible mobile reloads.
Bill payments
Eligible bill payments.
Bonus tasks
Extra points for activity, such as paying several bills in a week.
Creddy settlements
Settling your Creddy.
Rewards activities
Applicable PayMaster rewards activities, under the programme rules.
Frequently asked questions
When do I start earning points?
After your first Creddy facility.
What earns points?
Eligible PayMaster activities, such as reloads and bill payments, and Creddy settlements.
What do points do?
Your total points decide your Creddy bracket, which sets your applicable Creddy limit.
Where can I see my points?
In the app under Point History, and on the success screen after each eligible payment.
Start your journey with PayMaster today.
Free on iPhone, Android and Huawei. Sign up with your mobile number.