For last 2 days Im seeing MobiKwik is sponsoring YouTubers' vdos telling that they are offering 1% real cashback. But reality is far from this.
They have one offer where you will get 50 cashback for paying whopping 12500 bil
The 1% cashback that they are talking on YouTube ads is about applying promocode FULLPAY.
Now there are big big catches
1) T&c says you have to give them access to sms & contacts. Now that's some bizzare t&c but basically they want to read your sms to know if you are paying the entire bill with MobiKwik with them. Lets not forget the promocode. It's FULLPAY. So their idea is for one card you shall be getting one offer. For example if you have a bill of 22500 They don't want you to avail multiple benifit say for example 5000 from MobiKwik using FULLPAY then 12500 using CCFIRST & even after that if you have outstanding of say 5000 you can pay via paytm & get some 1500 cashback points using which u can get 10rs. paytm money. If your bill is of 22500 u have to pay the full amount from MobiKwik.
Even then ur t&c isn't guaranteed to be fulfilled. in my experience they rejected cashback saying i didn't give them the access before paying the bill. I showed the app setting but they refused.
One more thing The cashbacks aren't instant. So after waiting for 2 days if you didn't get the cashback they will simply say you didn't follow the t&c.
In my opinion MobiKwik is fraud. Their bill payment mechanism is perfectly fine because it's handled by BBPS. But their cashbacks are highly dubious.
They have one offer where you will get 50 cashback for paying whopping 12500 bil
The 1% cashback that they are talking on YouTube ads is about applying promocode FULLPAY.
Now there are big big catches
1) T&c says you have to give them access to sms & contacts. Now that's some bizzare t&c but basically they want to read your sms to know if you are paying the entire bill with MobiKwik with them. Lets not forget the promocode. It's FULLPAY. So their idea is for one card you shall be getting one offer. For example if you have a bill of 22500 They don't want you to avail multiple benifit say for example 5000 from MobiKwik using FULLPAY then 12500 using CCFIRST & even after that if you have outstanding of say 5000 you can pay via paytm & get some 1500 cashback points using which u can get 10rs. paytm money. If your bill is of 22500 u have to pay the full amount from MobiKwik.
Even then ur t&c isn't guaranteed to be fulfilled. in my experience they rejected cashback saying i didn't give them the access before paying the bill. I showed the app setting but they refused.
One more thing The cashbacks aren't instant. So after waiting for 2 days if you didn't get the cashback they will simply say you didn't follow the t&c.
In my opinion MobiKwik is fraud. Their bill payment mechanism is perfectly fine because it's handled by BBPS. But their cashbacks are highly dubious.
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