Comparison

NPS by PensionBox vs PointsFly

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

NPS by PensionBox

This platform helps users plan for their dream retirement by offering tools to maximize savings and minimize taxes. It provides access to various investment products like NPS, EPF, and Fixed Deposits, with features for opening accounts, tracking investments, and utilizing calculators.

Highlights
  • Retirement planning
  • Tax saving
  • NPS account opening
  • Investment tracking
  • SIP investments
  • Financial calculators
Features
Read full description

PensionBox is India’s Trusted Digital Pension & Retirement Planning Platform, Loved by our people -This cool app is not just Fast but Smart too! Looking for a Digital Pension & Retirement Planning app which is the fastest, smartest, and easy to use? PensionBox is here to redefine your dream retirement at 0 cost- Maximise Savings, Minimise Taxes! How do we do that? PensionBox offers you a wide range of products with risk-free & best in the market returns like - National Pension System (NPS) & SIP- Tier I & Tier II - Employee Provident Fund (EPF) - Public Provident Fund (PPF) - Fixed Deposit (FD) - Digital Gold Why do users choose us again & again? - FREE Planning for your dream retirement - FREE Tracking of all your savings - Open NPS account in just 3 minutes & Save big on taxes - SIP starting at just ₹ 500 - Superfast UI/UX experience - Most Transparent with charges - Planning, Tracking, Investing & Withdrawing- All in one place - Top-notch Privacy & Security- It’s Non-negotiable - Powerful, Cloud-based, AI enabled technology - Calculators for Pension, APY & NPS- No more complicated calculations - Instant access to the best customer support Regulated by the Pension Fund Regulatory Authority of India- so that you trust us without any second thoughts! Our users love us, but corporates & partners love us more! Here’s why- - Improved employee benefits at 0 cost - 38% more Tax Savings - Super-easy to roll out, manage Corporate NPS & better returns - Dynamic & Personalized retirement planning - Partners are accessible to their personal dashboard - More Rewards & benefits - Now let’s explore all that Pensionbox has for you DREAM RETIREMENT PLANNING - If you wish to retire by the beach, or on the mountains, or if you wish to open up a cafe or just teach at 45 or 60, planning your retirement the way you want is just a few clicks away! - It all starts with a Sign up/Log in - On the dashboard, enter the required details- Trust us, it’ll be fun! - Get an instant overview of your personalised plan - Enjoy AI-enabled insights curated just for you - Experience superior transparency & security INVESTING IN NPS- Experience the fastest & smartest way to open an NPS account and save extra taxes - Complete your KYC- Get verified within seconds - Open your NPS Account in 3 minutes- all Hassle-free & paperless! - If you have an NPS account already, just add your account using PRAN - Invest in NPS in lump sum or with SIP - Use our NPS calculator to know your returns STARTING AN SIP FOR NPS - Stay stress-free with SIP & avoid last minute Tax-saving rush - Choose from various available tenures for your SIP, lowest starting from ₹500 monthly - Enjoy budget-saving and minimising tax deductions - Earn rewards too! TRACK NPS/EPF/PPF/FD our users love us for tracking their savings- from Anywhere, Anytime! Track all your savings in just 60 seconds Add your UAN number, and start tracking your existing PF savings Track your PPF & FD savings better in a few clicks- All hassle-free & instant! Tracking your NPS savings is just a step away- Add your PRAN & get started! WITHDRAW RIGHT- Everyone talks about investing, but what about withdrawing? Let us help you withdraw just right for your golden years. Our users have no second thoughts about us because, - We are PFRDA Approved - We are committed to Regulatory Compliance - We are ISO 27001 Approved - Your funds are secure with the NPS Trust, EPFO, or other trusted financial institutions Wish to know more about us? - Catch up us on Mission Start Ab, streaming currently on Amazon Prime Video - Google about Pension Movement

About

PointsFly

Maximize credit card rewards by tracking points and suggesting the best card for every purchase. Turn your points into flights and hotel stays with real-time alerts and AI-powered recommendations.

Highlights
  • Track credit card points for flights and hotels
  • Set dream destination goals
  • Receive transaction alerts
  • Rank cards for optimal spending
  • Consolidate all cards in one wallet
  • Search and book flights/hotels with points
  • AI rewards agent for personalized advice
Features
Read full description

PointsFly helps you turn your credit card points into real flights, hotels, and your next dream trip, instead of letting them sit idle or get cashed out cheap. SET A DREAM DESTINATION, WATCH IT COUNT DOWN Pick your dream trip: Maldives, Bali, Europe, or a quick Goa getaway. PointsFly tracks your points daily against it, shows exactly how many more you need, and tells you the cheapest way to get there, down to the transfer partner and ratio. LIVE ALERTS ON EVERY TRANSACTION Get notified the moment you earn points, and see exactly how much closer you just got to your goal. No more guessing your balance or logging into five different bank apps. KNOW THE BEST CARD FOR EVERY PURCHASE Stop defaulting to one "main" card. PointsFly ranks every card in your wallet for any purchase amount and category, and shows exactly how many points each one would earn, so you always swipe the one that earns the most. ONE WALLET FOR EVERY CARD YOU OWN HDFC, Axis, ICICI, SBI, Amex; track every card, every transaction, every point balance in one place. PointsFly tells you offers and per point value redeemed by using every card, for every transaction, recommends the best card for your transaction and lets you know of the offers available on your cards. See your total portfolio value, and instantly know if a different card would have earned you more on any past spend. BOOK FLIGHTS ON YOUR POINTS Search real flights across airlines like Air India, IndiGo, and Vistara. Compare the cash price against the points price, see the exact value per point, and book instantly or let AIRA do it for you. BOOK HOTELS ON YOUR POINTS Compare cash vs. points value across hotel chains and loyalty programs, redeem instantly, and see exactly how many rupees per point you're getting before you commit. IN-STORE ALERTS Set alerts for up to 20 stores. Walk in, and PointsFly tells you which card in your wallet to swipe before you tap — not after you've already earned less than you should have. MEET AIRA: YOUR AI REWARDS AGENT Ask AIRA anything, in English or Hindi: "Which card is best for Air India?" "Get me to Bali in business class for under 60,000 points." "There's a sale on Myntra, does any of my cards get me extra points?" One straight answer, no digging through T&Cs, bank forums, or Reddit threads. WHY THIS MATTERS Your credit card points aren't a bonus. They're a return on every rupee you spend and if you're redeeming them for cashback or gift vouchers, you're cashing that return in at a fraction of its worth. Cashback and vouchers typically pay ₹0.20–₹0.25 per point. The same points, transferred to the right airline or hotel partner, can be worth ₹0.50 to ₹1.50+ per point, sometimes more on business class or peak-season redemptions. Redeem 2,00,000 points for cashback instead of travel, and you could be leaving ₹60,000–₹2,40,000 on the table. Points feel like a "bonus," so most people redeem them the easy way and feel good about it. That's the trap: it's still your money, earned the moment you spent it. Treat it like the return it is, and optimise it the way you'd optimise any investment. Awareness is step one. PointsFly is the system that turns that awareness into real value, before you spend, while you spend, and when you redeem. Download PointsFly and find out what your points are really worth. Terms of Use: https://pointsfly.ai/terms Privacy Policy: https://pointsfly.ai/privacy

Screenshots

NPS by PensionBox4 screens
PointsFly4 screens

Verdict

The call

The clearest difference is update cadence: PointsFly at weekly against NPS by PensionBox's every 6 months. On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

NPS by PensionBox ships an update every 6 months, PointsFly weekly. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard1 real difference · 9 level
NPS by PensionBox versus PointsFly: the parameters behind the verdict, then further details
ParameterNPS by PensionBoxPointsFly
PriceFreeFree
Rating5.0 (2 ratings) — better—
Positive reviews—100.0% of reviews
Number of ratings2 — better—
Update frequencyEvery 6 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size3 MB148 MB
Age rating17+4+
DeveloperAsht Capital Private LimitedPointsFly LLC

In-app purchases

None

NPS by PensionBox

No in-app purchases

None

PointsFly

No in-app purchases

Questions

Is NPS by PensionBox free?
NPS by PensionBox is free to download, with no in-app purchases.
Is PointsFly free?
PointsFly is free to download, with no in-app purchases.
Do NPS by PensionBox or PointsFly have ads?
Neither NPS by PensionBox nor PointsFly shows ads.
Which is updated more often, NPS by PensionBox or PointsFly?
NPS by PensionBox ships an update every 6 months, and PointsFly weekly. Most recently, NPS by PensionBox was updated on November 3, 2026 and PointsFly on October 31, 2026.

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