Twid App Design
focus area
Product Design
Brand Design
Interaction design
TEAM
Sahil Chaudhari
Rohan kulkarni
Sangeeth
Aryan Saxena
TWID is India’s first app for managing your banking and non-banking reward points and payments. Trusted by over 1.5 million users using “Pay with Rewards”, TWID lets you track, earn, and pay with your rewards across a wide network of merchants both online and offline.
Context
Ever seen those credit card enthusiasts bragging about saving big on travel and shopping with their reward points? But when you try it yourself, tracking multiple cards and their points becomes a headache. You keep wondering - how many points do I have? Where can I earn more? Which card offers the best deal?
TWID steps in to solve this. Our app brings all your reward points to one place, automatically finds the best offers, and lets you use points seamlessly while shopping. No more juggling between apps or missing out on deals.
To address these challenges, Twid is now developing a unified app experience that will allow users to:
Track Rewards
Centrally view and manage all their reward points from various sources.
Use and Earn Rewards
Earn additional rewards through the Twid platform and user reward points using your UPI Payments.
Make Payments
Seamlessly pay bills and make purchases using their accumulated reward points, as well as traditional payment methods like UPI and credit cards.
By making rewards simple for consumers, we create value for everyone - shoppers save money, merchants see more sales, and card issuers get better engagement. That's the TWID difference.
About twid app
TWID is India’s first app for managing your banking and non-banking reward points and payments. Trusted by over 1.5 million users using “Pay with Rewards”, TWID lets you track, earn, and pay with your rewards across a wide network of merchants—both online and offline. Why let your rewards go to waste? With TWID, every payment becomes rewarding.💰✨
How to pay with rewards
Core Flow
What twid app offers
Track All Your Reward Points: Access all your reward and loyalty points from leading banks and brands in one place—no more juggling between accounts. 📊
Earn More Rewards: Pay at your favorite merchants with TWID and earn more rewards every time. You’re always in control of your rewards. 🎁
Easy Online Payments: Use TWID for online payments via UPI or credit card when shopping on popular platforms like Jiomart or Myntra. 🛒
Seamless Offline Payments: Simply scan QR codes and pay at local stores using TWID. 🏪
Send Money to Anyone: With TWID, you can transfer money to anyone, even if they use other UPI apps like BHIM UPI, PhonePe, or Google Pay. 💸
UPI Auto Pay with Rewards: For the first time ever, you can use your rewards to set up UPI AutoPay for recurring bills, making every payment even more rewarding. 🔄
Pay Bills: Manage utility bills, credit card bills, mobile recharges, rent, and more. Set reminders for automatic bill payments so you never miss a due date.📅
Track All Rewards
Earn more Rewards
Exclusive merchant offers
Send money to anyone
Listing of brand
Offer on Brands
what's more in twid?
Exclusive Merchant Offers: Get access to exciting deals and discounts when you pay with TWID. 🤑
Track Expiring Points: Never let your reward points expire! Get reminders and make the most of them. ⏳
Link and Pay with Rupay Cards: Enjoy even more payment options by linking your Rupay cards to TWID. 💳
Bank Transfer: Easily transfer money between bank accounts using TWID’s UPI features. 🔄
Pay with Rewards at Popular Merchants: TWID lets you pay with rewards at merchants like Myntra, IXIGO, Bookmyshow, Jiomart, and many more.🎉
summarizing thoughts
The Twid app represented a pivotal milestone as my first end-to-end platform design, uniquely addressing three critical stakeholders: Issuers, Brands, and Consumers. The design challenge was complex, requiring a balanced approach that provided equal visibility and value for each stakeholder group. This demanded extensive cross-functional collaboration with business, user growth, and data teams to deeply understand existing user dynamics and craft an optimal experience that served multiple perspectives simultaneously. By navigating these intricate stakeholder needs, the design process transformed from a mere interface creation to a strategic exercise in holistic product ecosystem design.
RecentLY Launched features
B2C ✦ Mobile ✦ 2024
🧾 BBPS – Turning Bills into Reward Opportunities
Made bill payments rewarding by integrating Bharat Bill Payment System (BBPS) with TWID’s Pay with Rewards flow.
B2C ✦ Mobile ✦ 2024
Milestone - A Behavioral Payment Loop
A gamificaation program of twid app which allow you make a recurring payment with twid app and earn on your every payments.
©sahilux/2024
Last updated 1/11/24
©sahilux/2024
Last updated 1/11/24
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TWID UPI Payments
Introduced a native UPI payment flow within the app, allowing users to send money and scan QR codes. The flow was tightly integrated with reward visibility, making UPI a core channel to activate users and increase app stickiness.
User discover about Bill Payments
Pay with Rewards
Crafted the entire redemption experience at checkout, including eligibility logic and real-time point detection. Designed a frictionless interface that made “Pay with Rewards” feel as seamless as cash or UPI.
User Discovery about quick payments
Offers
Shaped the Offers module for both app and web, enabling users to discover issuer-specific deals, earn more on transactions, and save more via extra discounts. Optimized the experience for clarity, urgency, and ease of redemption.
Connect to Content
Add layers or components to swipe between.
Search, Scalable design component for 40+ Bill categories
Bill Payments
Extended TWID’s ecosystem into utility payments like electricity, broadband, and mobile. Created a rewards-first experience that made bill payments not just functional but engaging and rewarding, with personalized reminders and instant redemption.
Payment status states
Payment status states
Stars Reward Program
Introduced Stars as a universal loyalty currency, making rewards feel tangible and trackable. Designed the earning surfaces, tier system, and burn mechanics to keep users engaged across transactions. Ensured cross-issuer compatibility, helping unify scattered loyalty programs under one visual identity.
Milestones
Crafted the Milestones feature to guide users into forming a habit of paying with TWID. Designed multi-step checkpoints across UPI, bill payments, and merchant spends — with visual progress, instant gratification, and transparent rules. Milestones played a crucial role in onboarding activation and driving a viral product moment with record-breaking transactions.
Payment status states
Cashback Solution
Led the UX for a new cashback infrastructure after identifying gaps in issuer API reliability. The redesigned flow enabled smoother refunds, clearer communication, and greater post-transaction trust.
Rewards nudges on each step
PWA Payment Page
Designed the web checkout flow that powers TWID redemption on merchant websites. This PWA appears when users choose TWID at checkout and supports logged-in rewards, guest flows, and issuer-specific offers. Optimized for speed, fallback reliability, and conversion clarity across mobile and desktop.
Rewards nudges on each step
S2S Merchant Integrations
Enabled plug-and-play reward redemption for partners through Server-to-Server APIs. Worked on flows that allowed merchants to show reward value, trigger redemptions, and track settlement status without hosting a full UI. Designed for scale, low dependency, and easy onboarding.
Rewards nudges on each step
System Panels
Created internal dashboards used by operations, issuers, and merchant teams. These tools allow stakeholders to configure earn/burn rules, upload reward rates, view real-time logs, and resolve edge cases like refunds and duplicate redemptions. Prioritized clarity, validation, and status visibility to reduce back-and-forth between teams.
🧾 List of System Panels
Email Report Panel – Enables teams to schedule and send automated reports to stakeholders via email.
Merchant Panel Improvements – Enhancements made to the existing merchant dashboard for better usability and control.
Invoice Template – Allows configuration of invoice layouts for merchants, including reward and settlement details.
Merchant Configuration – Used to define and manage merchant-level rules, permissions, and feature access.
Settlement Panel – Displays payout statuses, logs, and settlement breakdowns for finance and ops teams.
Rule Visualizer – Visual interface for understanding and debugging reward and redemption logic.
Milestone Panel – Controls the configuration of milestone journeys, eligibility logic, and reward triggers.
App Banner Support – Lets teams configure in-app banners for campaigns and nudges without engineering effort.
Dynamic Subtext Rules – Allows real-time customization of reward subtext messages shown on user interfaces.
Merchant Onboarding Panel – Streamlines the onboarding process for new merchant partners into the TWID system.
PWA Offer Page – A dedicated view for displaying contextual offers on the PWA checkout experience.
Booster Redemption Platform – Configures special limited-time reward boosters to drive higher user engagement.
Twid Merchant Panel – Main panel for merchants to view activity, redemptions, and configure core settings.
Reward Earn API Panel – Debugging and validation tool for testing earn configurations through API inputs.
Credit Debit – Manual adjustment panel for reward point credits or debits in special cases or exceptions.
Notification Panel – Controls for managing in-app messages, reminders, and transactional notifications.
Report Customization Platform – Offers flexible setup for generating and downloading custom reports.
Create New Issuer – Interface to onboard and configure new reward issuers into the TWID ecosystem.
What I Built: Key Modules in the TWID App
Rewards nudges on each step
TWID: A Unified Rewards Payment Ecosystem
In a country where loyalty points often sit idle, TWID set out to turn them into real currency. Built as a reward-powered payments layer, TWID integrates directly with banks, brands, and merchants, allowing users to earn and redeem points across millions of transactions, both online and offline.
Behind the scenes, it’s a network of issuers (like banks and brands), merchant partners (e-commerce, utility, and retail), and end users, all stitched together through TWID’s platform. This enables instant, seamless reward redemptions.
The ecosystem powers multiple touchpoints, from a sleek consumer app to deep merchant integrations, each designed to reduce friction, drive conversions, and unlock savings for everyone involved.