What Are PolicyPal Credits? How to Start Earning & Using Your P$

PolicyPal Credits, also known as P$ Credits, is a loyalty programme to reward PolicyPal’s members for taking important steps toward financial protection!

How to start earning PolicyPal Credits for free

First, download the PolicyPal mobile app and sign up for a free PolicyPal account! Sign up with our referral code POLICYPAL10 to start off with $10 PolicyPal Credits!

After you’re all set up, you can start earning PolicyPal Credits by doing the following:

  • Complete PolicyPal quizzes
  • Refer your friends & family
  • Play the MoneyBag virtual savings game

1. Brush up on your financial literacy with quizzes

Go to your PolicyPal app > Learn via Quiz & MoneyBag > Quiz

Earn PolicyPal Credits while enhancing your financial literacy! We roll out quizzes that are related to financial planning, insurance, and health & wellness. Detailed explanations are available for you to understand and be well versed with your financial planning. With every completion of a quiz, you earn credits. If you have a perfect score, you earn extra!

2. Purchase general insurance through Baoxianbaobao Pte. Ltd.

Make any purchase of travel insurance or pet insurance through Baoxianbaobao Pte. Ltd., and you’ll earn 5% of the premium in PolicyPal Credits*. (Excludes FWD plans.) T&Cs Apply. 

3. PolicyPal referral programme

Go to your PolicyPal app > Account > Share Link

Invite your friends to join PolicyPal and verify their mobile numbers. You will receive $10 PolicyPal Credits when you refer 2 friends. Your friend will receive $10 PolicyPal Credits for the successful signup.

Learn more about the PolicyPal referral programme here.

4. Play PolicyPal’s MoneyBag savings game

Just like in real life, there’s no point just earning money and keeping it under your bed in a biscuit tin. You need to invest the credits you’ve earned for it to grow. Play our in-app game, MoneyBag, to start growing your PolicyPal Credits.

Here’s a really quick step-by-step guide to getting the most out of PolicyPal’s MoneyBag:

1. Choose a virtual savings plan
2. Motivate your character
3. Invite your friends to motivate you
4. Transfer the PolicyPal Credits to your account

Want more tips? Head over here: Cheat Sheet for MoneyBag to Win Attractive Rewards

What can you do with PolicyPal Credits?

With the PolicyPal Credits you have accumulated, you can use them to offset insurance premiums on your next insurance policy purchase*, making your premiums ‘more affordable’ as you will need to fork out less cash.

At the checkout page, you can select your PolicyPal Credits as a payment option. The maximum cashback amount will be applied to offset the total cost of your premiums.
*The insurance policies are distributed by Baoxianbaobao Pte. Ltd.

Do PolicyPal Credits expire?

PolicyPal Credits expire from one year when they are earned. However, if you do any of these actions on the PolicyPal app, the validity of all your PolicyPal Credits will be extended from the date you complete the task!

  • Complete a quiz – 1 month
  • Play Money Bag – 3 months
  • Complete your profile – 1 month

Terms & Conditions

  1. You need to be logged in to participate in the PolicyPal Rewards programme.
  2. $1 PolicyPal Credit is equivalent to SGD $1 when offsetting premiums for policies bought via Baoxianbaobao Pte. Ltd.
  3. The Rewards programme is applicable to all travel & pet insurance except FWD.
  4. PolicyPal Credits are valid on a 1-year rolling basis. When you accumulate more cashback through the purchase of any policy, the validity of all your PolicyPal Credits will be extended by an additional 1 year from the date of purchase.
  5. PolicyPal Credits is not encashable or transferrable.
  6. PolicyPal reserves all rights to change the P$ amount at any point in time and to suspend or terminate any fraudulent activities and any rewards earned will be deemed as invalid.
  7. PolicyPal reserves the right at any time to amend or vary these Terms and Conditions and/or any of the instructions or explanations at its sole discretion without prior notice. Any such changes shall be binding and will take effect immediately upon such amendment, change or deletion.

Enquire More and Contact Us Today!

Learn more about how to manage your insurance policies and identify your coverage gaps.

To get in touch, you can WhatsApp us at +65 8750 0688 and we’ll get back to you. Alternatively, leave your details below and we will contact you at your convenience.

How can we help?

Read more:

Cheat Sheet for MoneyBag to Win Attractive Rewards

How PolicyPal Launched Our MoneyBag Virtual Savings Game in Just 10 Days

PolicyPal Referral Programme

Download our app

PolicyPal helps you plan and reach your financial goals with personalized portfolio comparison. Manage your insurance digitally, wherever you are.

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PolicyPal is here to help you make informed and savvy financial decisions through the good times and the bad.

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