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PlutusGifts enables you to redeem your earned PLU for gift cards from hundreds of top brands. This feature allows you to save on everyday purchases by converting PLU into real-world rewards.
How to Use PlutusGifts:
You can redeem 1 PLU for a £/€10 gift card. The discount you receive depends on the number of gift cards you redeem, with select brands offering 100% discounts (0 fees) for a limited number of swaps.
Current discount structure:
100% Discount (0 fees) – Available for selected brands (limit of 2 gift cards per brand).
Dynamic Discounts for All Other Gift Cards:
How to Maintain Access to PlutusGifts:
Keep your Plutus account active by making at least one transaction per month.
Ensure your PLU balance covers the minimum redemption amount.
Avoid misuse – Customers found abusing the system (e.g., attempting to resell gift cards) may have their access temporarily restricted.
Q: Can I return a redeemed gift card?
A: No, all redemptions are final and non-refundable.
Q: What happens if my redemption fails?
A: If your transaction fails, your PLU will be returned to your balance within 24 hours.
Q: Why don’t I see certain brands in my region?
A: Gift card availability varies by location. Check the Plutus app for the latest options.
Q: What if my region does not provide enough gift card options?
A: Change the regional filter and explore available gift card options from other regions.
Q: Can I sell or exchange my redeemed gift cards with other customers?
A: No, redeemed gift cards are not transferable. Exchanging them for cash or transferring to other customers is prohibited.
PlutusSwap Web2 enables you to redeem your earned PLU to top up your Plutus card balance. This feature allows you to maximize savings by converting PLU into real-world spending power for everyday purchases.
How to Use PlutusSwap Web2:
PlutusSwap Web2 feature currently applies a 50% Fee which includes operational and fees we charge to cover third party liquidity provider cost .
1. PlutusSwap redemptions are final – No refunds once a redemption is confirmed.
2. How to Maintain Access to PlutusSwap Web2:
Keep your Plutus account active by making at least one transaction per month.
Ensure your PLU balance covers the minimum redemption amount.
Avoid misuse – Customers found abusing the system may have their access temporarily restricted.
Q: Is there a limit on the usage of Plutus ?
A: No, all redemptions are final and non-refundable.
Q: Is it available to all customers?
A: As of February 2025, PlutusSwap is available to EU customers
Q: Is there a minimum Swap rate?
A: As of Feb 2025, the minimum PLU swap rate is 50 PLU.
PlutusMiles provides a valuable way to enhance your PLU benefits. This feature enables you to swap PLU for access to heavily discounted airline miles, redeemable with 25+ airline partners, including Air France, KLM, American Airlines, and more.
For every 1 Plutus points, user can swap for 1,000 Etihad Guest Miles
How to Earn Miles
Step 1: Log in to Plutus app online or mobile banking application, navigate to `Swaps` tab.
Step 2: Click on ‘Reward Miles’ redemption option.
Step 3: Input your Etihad membership number and convert a minimum of 0.1 PLU to start enjoying your rewards.
During the beta release, there is a 5,000-mile cap per customer. This limit will be lifted in Q1 2025, enabling unlimited swaps.
PLU per Mile Exchange Rate:
PlutusMiles redemptions are final – Once a redemption is confirmed, refunds are not permitted.
How to Maintain Access to PlutusMiles:
Keep your Plutus account active by making at least one transaction per month.
Ensure your PLU balance covers the minimum redemption amount.
Avoid misuse – Customers found abusing the system may have their access temporarily restricted.
Q: Can I refund my redeemed miles?
A: No, all redemptions are final and non-refundable.
Q: What is the PLU per Mile exchange rate?
A: During the beta phase, 1 PLU grants access to 1,000 discounted Etihad Guest Miles. The total cost is calculated at a rate of £/€0.015 per mile.
PlutusTravel offers a seamless way to maximize the value of your PLU. This feature allows you to redeem PLU for cashback on hotel bookings directly through the app. Whether planning a short weekend trip or an extended stay abroad, you can use your PLU to enjoy memorable accommodations while reducing travel costs.
PlutusTravel Modifications & Cancellations – Any changes or cancellations to your booking are subject to the hotel's cancellation policy. Cancellation fees may apply.
How to Maintain Access to PlutusTravel:
Q: Where will I receive my PlutusTravel cashback?
Your cashback will be credited directly to your Plutus account balance.
Q: When will I receive my PlutusTravel cashback?
A: Cashback will be credited to your account within up to two months after your hotel check-out date. Processing times may vary slightly.
If you have not received your cashback after two months, please contact Plutus Support for assistance. Ensure you provide your hotel booking reference along with your check-in and check-out dates for a prompt resolution.
Compounding Rewards Yield (CRY) is a program designed to enhance Plutus customers' reward potential on their PLU holdings. Once PLU is externally stacked, customers begin accruing CRY, which is added to their PLU rewards daily. The amount of CRY earned is directly correlated to the total PLU stacked and the customer's Reward Level. Additionally, participants receive an annual bonus. By maintaining a stacked PLU balance over time, customers can maximize their reward accumulation without requiring any card transactions.
How to Utilize Compounding Rewards Yield (CRY%):
Stacking Duration:
PLU (including rewards) must remain stacked for a minimum of 12 months. The CRY stacking counter tracks progress in 30-day intervals, continuing for up to 10 years.
Reward Level Requirement:
An active Reward Level is required to accrue CRY.
Forfeiture of CRY Earnings: If you initiate a payout for your earned PLU rewards or remove your stacked PLU from connected wallets, any accumulated CRY earnings will be forfeited.
How to Maintain Access to CRY:
Keep your Plutus account active by making at least one transaction per month.
Ensure you are continuously on an active Reward Level.
Keep stacking your PLU (including Rewards) for 12 months.
Avoid misuse – Customers found abusing the system may have their access temporarily restricted.
Q: Do I need to be on a Reward Level to earn CRY?
A: Yes. You need to be on an active Reward Level to be earning CRY.
Q: Why am I not earning CRY?
A:Once a Reward Level is unlocked, PLU rewards should accrue daily. If CRY earnings are not visible, it may be due to a violation of the stacking requirements, such as destacking PLU, which is not permitted under the program rules.
Q: Why did I lose my CRY earnings?
A: If you previously earned CRY but no longer see any pending amounts in your CRY tracker, it indicates a loss of earnings. This may occur for one of the following reasons:
To continue earning CRY and withdraw your rewards without penalties, you must maintain stacking for a minimum of 12 months. Refer to your dashboard tracker for daily progress updates.
