Wallet & Credits Terms

Closed-loop credits

Fxivo credits can only be used on Fxivo. They cannot be withdrawn, cashed out, transferred to another user or exchanged for money. 1 credit = ₹1 of store value.

Top-up bonus

• ₹2,000 to ₹4,999: no bonus.
• ₹5,000 to ₹19,999: +5% bonus credits.
• ₹20,000 to ₹49,999: +10% bonus credits.
• ₹50,000 and above: +15% bonus credits.
• Bonus tiers can change; the tier shown at checkout is the one you get.

How credits are spent

Bonus credits are spent first, then paid credits; within each, the credits closest to expiry are used first. Bonus credits and plan discounts together never exceed 35% off an item's price; anything above that is paid with paid credits.

Expiry

Each top-up (paid and bonus) expires 12 months after the top-up date. Refunded credits get a fresh 12 months. We email you before credits expire. Expired credits cannot be restored.

Records

Every credit and debit is recorded in your wallet history. Indian top-ups get a GST tax invoice in your dashboard; international top-ups get an invoice from Paddle.

Refund of credits

Unused paid credits are not refundable as cash, except where required by law or where a top-up was charged in error (for example a duplicate charge), which we refund to the original payment method within 7 working days of confirming the error.