In-store
At the counter
Walk in, pay as usual. POS captures the sale and cashback follows the receipt.
Live across Pakistan
Spend like you already do.
Get paid in cash.
Universal is multi-brand cashback that actually cashes out. Shop in-store, online, or on delivery. Earn real rupees. One wallet. Withdraw to your bank.
Free to use. No extra checkout. Cashback follows the purchase.
Hello, Aisha
Your cashback
Available
PKR 0
Pending
PKR 640
Just landed
Starbucks
Dolmen Mall
+86
KFC
DHA Phase 5
+210
Pizza Hut
MM Alam
+340
KFCMcDonald'sStarbucksPizza HutBurger KingSubwayIn-storeOnlineFoodpandaKFCMcDonald'sStarbucksPizza HutBurger KingSubwayIn-storeOnlineFoodpanda
The product
Points are a loyalty trap. This is money coming home.
Most rewards lock you into one chain, expire on a calendar, and pay you in coupons you didn’t ask for. Universal does the opposite: participating brands pay real cashback into a wallet you own.
Coffee in the morning. A bucket at night. An order on Foodpanda. It all stacks in the same place — then leaves for your bank when you say so.
The old way
- Points that only work at one brand
- Balances that expire if you forget
- Rewards you have to spend back in-store
- A different app for every receipt
Universal
- Cashback across every partner brand
- One wallet. One balance. Yours.
- Withdraw to your bank account
- In-store, online, and delivery — tracked together
How it works
Three moves. No new habit.
01
Shop like you already do
Pay at the counter, checkout on a brand’s site, or order on Foodpanda. No extra card. No extra tap. Your purchase is the receipt.
02
Watch real rupees land
Cashback posts as pending, then becomes available after confirmation. Every participating brand pays into the same wallet.
03
Take it to the bank
Withdraw available balance to your account. Not a voucher. Not a coupon you have to spend back. Cash.
Online
On the brand’s site
Order from a partner’s own app or web checkout. Same wallet. Same rupees.
Foodpanda
On delivery
Foodpanda and approved marketplaces count too — cashback doesn’t stop at the door.
The wallet
Every brand. One balance. Then your bank.
Pending is money that’s waiting to confirm. Available is yours to withdraw. Lifetime is the flex — every rupee the network has paid you back.
Pending
Confirming
Short hold for refunds
Available
Ready
Withdraw to bank
Lifetime
Earned
Your running total
Cashback Pro
Same shops. Higher rate.
Free is the brand’s standard cashback. Pro is the brand’s Pro rate — on every eligible purchase, automatically. No coupon codes. No hunting.
Get Pro in the appFree
5%
Brand standard, e.g. everyday coffee
Pro
8%
Same offer. Higher rate. Monthly.
From the wallet
“I ordered from Foodpanda like always. The cashback was in before the rider arrived.”
“Starbucks in the morning, KFC at night — it’s the same balance. That was the whole sell.”
“Points always felt fake. Withdrawing to my bank is the first time a “reward” felt real.”
FAQ
Straight answers.
Actual money. You earn rupees, they sit in one wallet, and you withdraw to your bank. Brands don’t type in a reward — the offer rules calculate it from your purchase.
Your next coffee could pay you back.
Get Universal on iPhone or Android. Create an account, shop at participating brands, and start stacking real rupees in one wallet.
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