These days, we use many different apps, and almost every app has its own wallet. Whenever we get cashback or reward points, they go into the wallet of that particular app. This means our money or rewards are scattered across many places, instead of being in one spot.
Apps do this on purpose. They want us to keep coming back and using their services. If we have money in their wallet, we’re more likely to shop again just to use it. Sometimes, even when we get a refund, it doesn’t go back to our bank or card—it ends up in the app’s wallet.
The problem is, the more apps we use, the more wallets we end up with. Each app might call it something different—coins, balance, wallet cash—but it’s the same idea. These wallets often hold small amounts that either expire or go unused, and we forget about them completely.
There’s no one place where we can gather all this money. It’s like in the old days when we had small change kept in different drawers or boxes. Among all, Amazon Pay Wallet is probably the best. We can use it for a lot of things. But most other app wallets are limited—they only work for that one app and nowhere else.
Each app uses its wallet differently, and there’s no common rule. That’s why users end up with small, scattered balances everywhere, many of which expire or stay unused.
Conversion Rates
In most app wallets, the conversion is simple—1 coin equals 1 rupee. This makes it easy to understand how much we have and how much we can spend.
But sometimes, a few apps use tricky systems. They set the value so that 4 coins are equal to just 1 rupee. This means we need more coins to buy something small.
It can feel confusing and even unfair when the value changes like this. It’s not always clear unless we read the fine print or check carefully.
Because of this, users may feel they’re getting less than they earned. A coin should feel like real money, not just a number with no proper value.
Usage Restrictions
Some app wallets let you use your balance right away, without any conditions. You can spend the coins or cashback as soon as you get them, which feels simple and fair.
But in some wallets, there are limits. You need to collect a minimum balance before you can use it. Until you reach that amount, the coins just sit there, not helping you at all.
There are also wallets that only let you use a part of your balance. For example, if you have ₹100 in the wallet, you might be allowed to use only ₹20 or ₹30 on a single purchase. The rest stays locked. These kinds of rules can be frustrating. It feels like you earned that money or reward, but you can’t fully use it the way you want.
This is the list of apps that I use and their wallet names. I am not listing down the expiry dates, because I don't know.
There could be more than this, this list is incomplete. Please add your app names and wallet names to the list.
Apps do this on purpose. They want us to keep coming back and using their services. If we have money in their wallet, we’re more likely to shop again just to use it. Sometimes, even when we get a refund, it doesn’t go back to our bank or card—it ends up in the app’s wallet.
The problem is, the more apps we use, the more wallets we end up with. Each app might call it something different—coins, balance, wallet cash—but it’s the same idea. These wallets often hold small amounts that either expire or go unused, and we forget about them completely.
There’s no one place where we can gather all this money. It’s like in the old days when we had small change kept in different drawers or boxes. Among all, Amazon Pay Wallet is probably the best. We can use it for a lot of things. But most other app wallets are limited—they only work for that one app and nowhere else.
Each app uses its wallet differently, and there’s no common rule. That’s why users end up with small, scattered balances everywhere, many of which expire or stay unused.
Conversion Rates
In most app wallets, the conversion is simple—1 coin equals 1 rupee. This makes it easy to understand how much we have and how much we can spend.
But sometimes, a few apps use tricky systems. They set the value so that 4 coins are equal to just 1 rupee. This means we need more coins to buy something small.
It can feel confusing and even unfair when the value changes like this. It’s not always clear unless we read the fine print or check carefully.
Because of this, users may feel they’re getting less than they earned. A coin should feel like real money, not just a number with no proper value.
Usage Restrictions
Some app wallets let you use your balance right away, without any conditions. You can spend the coins or cashback as soon as you get them, which feels simple and fair.
But in some wallets, there are limits. You need to collect a minimum balance before you can use it. Until you reach that amount, the coins just sit there, not helping you at all.
There are also wallets that only let you use a part of your balance. For example, if you have ₹100 in the wallet, you might be allowed to use only ₹20 or ₹30 on a single purchase. The rest stays locked. These kinds of rules can be frustrating. It feels like you earned that money or reward, but you can’t fully use it the way you want.
This is the list of apps that I use and their wallet names. I am not listing down the expiry dates, because I don't know.
| App Name | Wallet Name |
| Amazon | Amazon Pay Wallet |
| Swiggy | Swiggy Money |
| MakeMyTrip | MyCash |
| Booking.com | Booking.com Wallet |
| Indigo | Bluchip |
| Uber | Uber Cash |
| Ola | Ola Coin |
| Maruti Suzuki | Points |
| Apollo 247 | Health Credit |
| Medplus | MDx & Payback points |
| Tata Neu | Neu Coins |
| HP Pay | Happy Coins |
| Indian Oil One | Xtra Rewards Points |
| Twid | Zillion Coins |
| Flipkart | Super Coins |
| Air India | Maharaja Points |
| Mobikwik | Mobikwik wallet |
There could be more than this, this list is incomplete. Please add your app names and wallet names to the list.
Last edited by _deb_:
