India's Smart Rewards & Financial Services App
Recharge, Pay Bills, Earn Rewards& Grow Your Income.
Pay, earn & grow with every transaction — recharges, bills, loans, insurance & bookings with cashback and ZOKI Coins on everything.
50+
Services in one app
₹ Crores
Cashback & rewards paid out
24×7
Instant recharges & payments
100%
Secure, bank-grade encryption
Recharges & Bill Payments
Every bill, one app — rewards on each payment
Pay all your daily bills in seconds and earn ZOKI Coins, cashback and scratch cards every single time.
Mobile Recharge
DTH Recharge
Electricity Bill
Water Bill
Gas Bill
Broadband Bill
Landline Bill
FASTag Recharge
Metro Card
Credit Card Bill
Insurance Premium
Earn rewards on every transaction
Earn Money & Rewards Program
Don't just spend. Earn while you pay.
ZOKI turns everyday payments into income — through cashback, coins, games and a referral ecosystem built for everyone.
Refer & Earn
Invite friends and earn real money when they make their first transaction.
Cashback on Transactions
Instant cashback credited on recharges, bill payments and more.
Scratch Cards
Unlock a scratch card after payments and win surprise rewards up to ₹500.
Spin & Win
Spin the wheel daily for coins, cashback and bonus vouchers.
ZOKI Coins Loyalty Program
Collect coins on every action and redeem them as real cashback.
Daily Check-in Rewards
Open the app every day and keep your reward streak growing.
Milestone Rewards
Hit transaction milestones and unlock bigger bonus payouts.
Affiliate Marketplace
Share deals on loans, cards and apps — earn commission on every conversion.
Partner campaigns — earn like a pro
Promote loan offers, credit card approvals, app downloads, insurance plans and account openings. Track every lead and get paid for each successful conversion.
Financial Services
Loans, cards & savings — built into your super app
From instant personal loans to digital gold, access trusted financial products from leading banks and NBFCs inside ZOKI.
Instant Personal Loan
Quick approvals, minimal documents, money in your bank fast.
Education Loan
Fund school, college or coaching fees without the stress.
Business Loan
Working capital and growth funding for small businesses.
Gold Loan
Unlock the value of your gold at competitive interest rates.
Credit Card Applications
Compare and apply for the best cards matched to your profile.
Secured Credit Card
Build or repair your credit score with an FD-backed card.
Fixed Deposits & Bonds
Grow savings safely with FDs and a curated bonds marketplace.
Digital Savings & Gold
Start small with digital gold and savings products. SIPs coming soon.
And a lot more
One app for everything else too
Travel, insurance, government documents, education fees and lifestyle payments — all with rewards on top.
Travel Bookings
- Flight Booking
- Bus Booking
- Train Booking
- Hotel Booking
Insurance
- Health Insurance
- Motor Insurance
- Travel Insurance
- Term Insurance
Government Document Services
- PAN Card Apply
- PAN Correction
- Aadhaar PVC Order
- Voter ID Services
- Passport Assistance
Education & Tuition Fees
- School Fee Payment
- College Fee Payment
- Coaching Fee Payment
- Education Loan Support
Lifestyle Payments
- Rent via Credit Card
- Society Maintenance
- Property Tax
- Subscriptions & OTT
Grow your wealth digitally
Buy digital gold from ₹10, explore the FD marketplace and invest in curated bonds — straight from the app.
How it works
Start earning in 3 simple steps
- 1
Download & sign up
Get ZOKI from the Play Store or App Store and create your account in under a minute.
- 2
Pay or transact
Recharge, pay a bill, book a ticket or apply for a financial product — anything counts.
- 3
Earn & redeem
Collect cashback, ZOKI Coins and scratch cards — then redeem them as real money.
AI & Smart Features
A money app that actually thinks ahead
ZOKI doesn't just process payments — it helps you stay on top of your finances with intelligent reminders and insights.
AI Financial Assistant
Ask anything about your money — get smart, personal answers instantly.
Bill & EMI Reminders
Never miss a due date — ZOKI nudges you before every bill and EMI.
Credit Score Insights
Track your score for free and learn exactly how to improve it.
Spending Analysis Dashboard
See where your money goes with clear, category-wise breakdowns.
Monthly Expense Reports
Get an automatic summary of your spending and savings every month.
Credit Card Due Tracker
All your card dues in one view, so you never pay late fees again.
Testimonials
Loved by users across India
“I pay all my electricity and broadband bills through ZOKI now. The cashback and scratch cards make it feel like I'm getting paid to pay bills.”
Rohit Sharma
Shop owner, Patna
“Refer & Earn actually works. I shared my link with classmates and earned enough to cover my monthly recharges — without spending anything.”
Priya Nair
College student, Kochi
“Applied for a personal loan through ZOKI and the process was surprisingly smooth. The EMI reminders mean I've never missed a payment since.”
Amit Verma
Freelancer, Lucknow
FAQs
Frequently asked questions
ZOKI is a smart financial rewards super app. You can do mobile and DTH recharges, pay electricity, water, gas, broadband and other bills, apply for loans and credit cards, book travel, buy insurance and more — and earn cashback, scratch cards and ZOKI Coins on every transaction.
Pay, Earn & Grow with Every Transaction
Download the ZOKI app and turn your everyday payments into rewards. Enter your mobile number and we'll send you the download link.