Trusted brand partners across India
Every bill you pay, every EMI you honour, every responsibility you carry — Goldify automatically converts it into real 24K gold, building your savings without changing how you live.
Every expense that builds your gold also builds your co-ownership in Goldify — a better company, built by the people who use it.
Your Goldify account — this month
Trusted brand partners across India
Your gold is safe
Every gram credited to your Goldify vault is real, certified 24K gold — not a points balance, not a notional value. Here's exactly how it's held and protected.
Pay any bill · Earn real gold
Goldify is connected to 20,000+ billers across India through BBPS — India's national bill payment network. Every utility payment earns 1.5% in real 24K gold, automatically, with every transaction.
Pay right now — 20,000+ billers
Powered by BBPS · 20,000+ billers · Instant confirmation
All utility and household bill categories — including education fees, hospital bills, EMI repayments, and insurance renewals — earn 1.5% in gold. Gold amounts vary with live gold price at time of transaction.
Travel
Flights, hotels, buses, holiday packages — book everything through Goldify and earn up to 3% in real 24K gold on every travel transaction.
Flights
Domestic and international flights across all major airlines. Up to 3% of your ticket value is automatically credited as real 24K gold.
Airline partners
Search flights
Gold earned at up to 3% · Live gold rate applied
Hotels
From budget stays to premium properties across India. Every rupee of your accommodation earns real gold.
Hotel partners
Find hotels
Gold earned at up to 3% · Live gold rate applied
Buses
Inter-city and state buses across India — from sleeper tickets to premium Volvo coaches.
Bus partners
Search buses
Gold earned at up to 3% · Live gold rate applied
Holiday packages
Curated holiday packages — domestic and international. Flights, hotel, transfers, sightseeing in one booking.
Package partners
Holiday packages
Gold earned at up to 3% · Live gold rate applied
Calculate your gold
Move the sliders to match your monthly spending. We'll show you what it could mean in real 24K gold over a year — using Goldify's actual reward rates.
Estimate only, based on Goldify's published reward rates (utility bills & school fees 1.5%, travel up to 3%, shopping 10%, Gold/Silver SIP 1.5% bonus) and an approximate gold rate of ₹12,000/gm. Actual gold earned varies with live gold price and your specific transactions.
Big moments earn big gold
Insurance, loans, homes, international education — these are some of Goldify's highest-rewarding categories. Move each slider to see what a single milestone could mean.
Estimates only, based on Goldify's published reward rates and an approximate gold rate of ₹12,000/gm. Loan reward rate is confirmed at approval. Jewellery savings vary by market wastage charges (typically 20–25% elsewhere) versus Goldify's manufacturing-cost pricing. Actual gold and savings vary with live gold price and the specific transaction.
Beyond the grams
Grams matter less than what they make possible. Here's what families have used their Goldify gold for.
Your everyday expenses
You're already spending. Now make every rupee count twice.
Depending on your spending mix — bills, travel, shopping, insurance — families can accumulate approximately 3–4 grams of real 24K gold annually, entirely through expenses they were already making.
Below are the exact reward rates across every Goldify segment — honest numbers, so you know precisely what you're earning.
Electricity, water, gas, broadband, mobile, DTH, education fees, hospital bills — plus loan EMI repayments and insurance renewals.
1.5% → gold
₹2,400 electricity → ~0.003 gm gold
400+ brand partners — food, fashion, electronics, beauty, home, health.
Variable rate → gold
Rate shown at checkout per brand
Gift and prepaid vouchers across major brands.
Variable rate → gold
Rate shown at checkout per voucher
Flights, trains, hotels, buses, holiday packages — domestic and international.
Up to 3% → gold
₹12,600 trip → ~0.0315 gm gold
Domestic courses, tuition, coaching, certifications.
Value Coins earned
Builds your membership stage
International university admissions processed via Goldify.
10% of 1st yr tuition → gold
₹8,00,000 tuition → ~6.67 gm (one time)
New home, personal, car, education, business loans.
Separate rate → gold
Rate confirmed at loan approval
New life, health, vehicle insurance policies.
10–15% → gold
₹5,800 premium → ~0.048–0.073 gm
Trading, stocks, currency, mutual funds via Goldify platform.
50% of brokerage → gold + VC
Half your brokerage fee converts to real gold
Buy/sell gold & silver, Gold SIP, Silver SIP, gold lease, jewellery at manufacturing cost.
Value Coins + gold
Direct gold accumulation + VC
New property — apartments, villas — purchased via Goldify.
1% → gold
₹75,00,000 property → ~6.25 gm (one time)
Across bills, travel & shopping
1.5–10%
converted to gold, by category
Year 1 estimate
~3–4 gm
worth ~₹36,000–48,000
Add Gold SIP from
₹500/mo
builds ~0.5 gm direct + 1.5% bonus yearly
Home purchase (one time)
~6.25 gm
gold from ₹75L property
Estimates based on approximate gold rate of ₹12,000/gm. Actual gold earned varies with live gold price. Loan and insurance new-policy rates confirmed at the time of application. Gold has historically trended upward over the long term, averaging roughly 12% annually in recent years — past performance does not guarantee future returns.
Premium membership
Together, we have more power than any one of us alone. As a community, we negotiate better prices, access better services, and build something that benefits everyone who participates.
Every service partner is selected for quality and trustworthiness — not advertising spend.
A community of members negotiates rates no individual can access alone. Every new member makes the community stronger.
What you see on Goldify is what the community trusts — not what paid to be placed in front of you.
Automated gold savings, loans, insurance, and investment access — all in one ecosystem.
Every member can list their skills in the Community Marketplace — wealth circulating within the community.
RWAs, NGOs, and schools earn collective Value Coins through shared Planet activities — a community that contributes together, grows together.
Five stages, each unlocking better gold multipliers, more access, and deeper participation.
The Goldify ecosystem
Every service in Goldify returns something real — automatically.
Bills, deals, vouchers, travel, loans, insurance, homes, education — all earning real 24K gold.
A curated marketplace for sustainable brands. Same gold. Twice the Value Coins.
A platform where doing good is recognised. Every verified act of care earns Value Coins.
Goldify Planet
Every verified action — planting trees, teaching children, donating blood — is counted and added to your contribution record as Value Coins.
All activities verified through partner NGOs, government portals, and geo-tagged photo confirmation.
Value Coins
Value Coins are not points. They do not expire. They cannot be purchased — only earned. They determine your membership stage, gold multiplier, access, and voice.
Membership stages
Five stages of membership. Each one unlocks a better gold multiplier, greater access, and deeper participation.
The Goldify Card
The Goldify Card removes the one limitation every rewards app has — it only works inside the app. The Goldify RuPay Prepaid Card earns real gold on every offline purchase, at every shop, anywhere in India.
Unlocks at 1,500 Value Coins (≈₹1.5 lakh spent) and 90 days of active platform usage.
Co-owning
Co-owning is not a financial product. It is the recognition that the people who help build something meaningful should have a voice in its future — and share in its success.
A Goldify member is defined by how they live — paying bills on time, caring for family, doing good quietly. If you recognise yourself here, you already belong.
Coming soon
Goldify is more than a savings app — it's a community of people building something together. The Co-Owners' Circle brings that community to life: conversations, recognition, and connection between members who share this belief.
Launching soon for Contributor-stage members and above.
For co-owning members
Once you reach Contributor stage, you can apply to open a Goldify Chapter — your own fintech business, built on Goldify's platform. No technology to build. No capital to invest. Just an application, a conversation with our team, and a community you help bring real financial access to.
This isn't a side hustle. It's a fintech business — built on Goldify's platform, owned and run by you.
Member stories
"I pay school fees, insurance, and electricity every month. Now every payment automatically earns me gold."
"Our family planted trees and volunteered to teach children. We earned 6,400 Value Coins last month — for what we already believed in."
"I applied for a Chapter after reaching Contributor stage. 800 members in six months. I invested belief, not money."
Who Goldify is for
Goldify automatically converts a percentage of every eligible transaction into real gold.
"I used to feel like my money just disappeared every month. Now I can see my gold balance growing automatically."
Sunitha Rajan · Bengaluru · Contributor stage
Goldify gives your team real 24K gold automatically on every eligible transaction.
"We launched Goldify for our team of 450. Within two months, 80% were using it regularly."
HR Director · Pune
RWAs and NGOs earn shared Value Coins through collective Planet activities.
"Our RWA did clean-ups for years with no recognition. Now every family earns Value Coins."
RWA President · Chennai
Once you reach Contributor stage, apply to open a Chapter — your own fintech business on Goldify's platform.
"I invested belief, not money. I built my Chapter from zero to 800 members."
Arjun Natarajan · Coimbatore · Co-Owner stage
The movement
Goldify is being built right now — by every family whose bills earn gold, every volunteer earning Value Coins, every Chapter founder building their own fintech business.
Start today — free
Join free. Spend the way you already do. Watch real 24K gold build automatically.
Gold calculations are estimates based on approximate market rate and may vary with live gold price. Value Coins are contribution credits — not financial instruments or securities. Goldify is a MeitY-recognised platform.