Imagine topping up $50 at your favourite café and getting $53 in your wallet. That extra $3 isn't a promotion or limited-time offer — it's bonus credit, and it happens every single time you top up with Experience Zeno.
What Is Bonus Credit?
Bonus credit is free money added to your wallet balance instantly when you top up at a participating merchant. Each merchant sets their own bonus rate — typically between 3% and 10% — so a $100 topup might give you anywhere from $103 to $110 in spending power.
Unlike cashback apps that pay out weeks later or points programmes that require complicated redemptions, bonus credit lands in your wallet the moment you top up. You can spend it immediately.
Why Do Merchants Give Away Free Credit?
It's not charity — it's smart business. When a merchant offers bonus credit, they're investing in customer retention. A customer who tops up $100 and receives $106 is far more likely to return and spend that full balance at the same merchant. The bonus credit creates a virtuous cycle:
- Customer tops up and gets bonus credit
- Customer returns to spend their balance
- Merchant sees repeat visits without paying for advertising
- Customer earns EXP points on every topup, climbing loyalty tiers
Bonus Credit vs. Cashback vs. Points
Bonus credit is instant and spendable immediately. Cashback usually has minimum thresholds and delayed payouts. Points require conversion and often expire. For everyday spending at local merchants, bonus credit delivers the most tangible, immediate value.
How It Works with Experience Zeno
Every Zeno merchant sets their own bonus rate. When you top up in the app, the bonus credit appears instantly alongside your topup amount. There are no minimum topup requirements, no expiry on your balance, and no hidden fees.
Ready to start earning? See how Experience Zeno works in 3 simple steps.