How to Earn
Reward Points on Rent
Discover how to earn reward points on your largest monthly expense - rent. Learn why traditional methods fall short and how new platforms are changing the game.
The Rent Payment Dilemma
The Financial Reality
Rent is one of the largest monthly recurring expenses across most of us salaried individuals living in Tier-1 cities. It not only takes 20%-40% of our monthly disposable income every month, it also doesn't give us reward points in return. Hence, without much being up for discussion, it's only fair to say that we all want to earn reward points on our rent payments.
The Rewards Paradox
Now to understand the playing field, It's also important to note that our expenses on discretionary spends like coffee, movies, entertainment, e-commerce, and even q-commerce always have something to give us back. It can range from platform benefits like 'Get X% OFF on your first order' or a payment method benefit like 'Get 10% OFF on using XYZ Bank Card' or sometimes a brand offer also might be available which may be like 'Buy 1 T-shirt and get another one free.' These have become far too common, and they are mostly available on every platform.
The Big Question
So the question arises - If we can get rewards on coffee, why can't we get rewards on rent?
To answer this question, it's important to understand how the payments ecosystem works.
Understanding the Payment Ecosystem
Platform Rewards
For a 'platform' to offer these rewards, they need to earn revenue out of it. Since most of us prefer to pay rent via UPI, it becomes impossible for platforms to extend any benefits on rental transactions.
Key Issue: UPI payments don't generate revenue for platforms, making rent reward programs economically unviable.
Credit Card Transactions
However, when we use a 'Credit Card' to pay rent on the platform, it costs us 1.5% - 3% transaction fee but sometimes we get reward points in the form of platform currency or a straightforward cashback of up to INR 100 - 200. More often than not, the cashback is on the lower spectrum of the limit and far from the upper limit.
Economic Reality: Just the platform benefits are almost never enough to offset the transaction fee.
The Bank Reward Points Challenge
When we consider the reward points offered by banks on Credit Card transactions, they are usually to be extended on merchant transactions and not peer to peer transactions. A rental transaction is mostly between two people, and hence may not be eligible for reward points in most cases.
Up until recently, not too long back, banks would offer reward points on wallet load transactions which would facilitate rent payments via a credit card but they have stopped doing that now. In fact, starting July 2025, some banks started levying 1% surcharge on rent transactions, and made rental transactions completely ineligible for reward points.
Interestingly, some banks may consider the spending on rent for their milestone benefit reward points offer.
The Landlord's Perspective
Coming to the merchant aka the landlord in this case. They for obvious reasons will not be willing to give up any of their 'rental income' to allow tenants to pay via a credit card. Hence eliminating the scope of funding the reward points from their end.
Landlord Concerns
- Don't want to lose any rental income
- Often prefer direct bank transfers
- Reluctant to pay transaction fees
- Concerned about tax implications
Tenant Challenges
- High transaction fees (1.5-3%)
- Low reward points value
- Limited payment options
- No consistent reward structure
The Brixo Solution
India's first zero-fee rent rewards platform that's changing the game
India's First Zero-Fee Rent Rewards Platform
Now, let's talk about this new age fintech platform called Brixo. It's India's first rent payments platform which offers reward points on rent without any transaction fee. Their reward points are a constant 1% with an upside to DOUBLE the reward points if rent is paid on time. The conversion rate is straightforward. There's no reward point math required here. 1 Reward Point = 1INR. If you're looking to earn reward points on rent, Brixo might be a good bet.
Premium Features
- 2% rewards on on-time payments
- Automatic payment scheduling
- Rent payment history tracking
- Digital rent receipts
How It Works
- Sign up on Brixo platform
- Add your landlord details
- Schedule monthly payments
- Earn points automatically
Comparing Rent Payment Methods
| Payment Method | Transaction Fee | Reward Points | Net Benefit |
|---|---|---|---|
| UPI Direct | 0% | None | 0% |
| Credit Card (Traditional) | 1.5-3% | 0.5-1%* | -1% to -2.5% |
| Wallet Load + UPI | 1.5-2% | 0.5-1%* | -0.5% to -1.5% |
| Brixo Standard | 0% | 1% | +1% |
| Brixo On-time Payment | 0% | 2% | +2% |
*Many banks now exclude rent transactions from reward programs
Making The Most Of Your Rent Payments
Traditional Methods: Limitations
High transaction fees (1.5-3%) on credit card payments
Many banks exclude rent from reward programs
Wallet loading bonuses being discontinued
New 1% surcharges being added in 2025
Landlord resistance to non-traditional payments
Brixo Advantages: Modern Solution
Zero transaction fees for tenants
Guaranteed 1% rewards on all rent payments
Double rewards (2%) for on-time payments
Simple 1:1 point to rupee conversion
Digital rent receipts & payment history
Start Earning Rewards on Your Rent Today
Join Brixo and earn up to 2% rewards on your rent payments with zero transaction fees.