Frequently asked questions
If your question isn't covered here, our support team is a message away.
What exactly is Perkora?+
Perkora is a cashback passbook for India. You link a bank card or UPI ID you already use, and eligible payments across categories like groceries, bills and fuel earn cashback that's credited to your Perkora account and redeemable to your bank.
Is it free to use?+
Yes. Creating an account, linking a card or UPI ID, and earning cashback are all free. There's no subscription fee.
Which banks or UPI apps are supported?+
Perkora works with any UPI ID and most major Indian bank debit and credit cards. You don't need to switch banks or install a new payment app — you keep using the one you already have.
How is my cashback amount calculated?+
Each spending category has a published rate — either a percentage of the payment or a flat amount — shown on the cashback categories page. Rates apply up to a monthly cap per category.
When does cashback show up in my passbook?+
Most entries appear within 24–48 hours of the underlying payment settling with your bank. Occasionally, bill payments and travel bookings can take a little longer to confirm.
How do I redeem my cashback?+
Once your balance crosses ₹100, you can redeem it directly to the bank account linked to your card or UPI ID from your account dashboard. There are no vouchers or points — only rupees.
Is there a minimum redemption amount?+
Yes, ₹100. Balances below that stay in your passbook and keep accumulating until you cross the threshold.
Is my card information safe?+
Card numbers are tokenised the moment you enter them — Perkora stores a reference token, not the number itself, and never asks for your card PIN, UPI PIN, password or OTP. See our privacy policy for full details.
Can I link more than one card or UPI ID?+
Yes, you can link multiple cards and UPI IDs to a single Perkora account, and cashback from all of them lands in the same passbook.
Does Perkora ever initiate a payment on my behalf?+
No. Perkora only observes whether a payment you made qualifies for cashback — it never has the ability to initiate, approve or move a payment.
What if a cashback entry looks wrong?+
Reach out through the contact page with the transaction date and amount, and our support team will review it, usually within one business day.
Can I close my account?+
Yes, anytime, from your account settings. Any redeemable balance is paid out before closure; unredeemed balances below ₹100 are forfeited on closure, as noted in our terms of service.
Still have a question?
Our support team is happy to walk through anything specific to your account.