Loyalty Rewards WhatsApp Template for NBFCs

The template body and variables

Keep the message specific and honest — reward points, cashback and rate benefits are regulated claims, so the copy states exactly what was earned and by when it must be used. The four variables let you personalise every send without creating a new template each time: name, the points or benefit earned, your brand, and a hard expiry that creates gentle urgency. Because it is promotional, the body carries a plain opt-out line, which is both a Meta requirement for Marketing templates and a trust signal that keeps your quality rating high. Swap the second variable for '₹250 cashback' or 'a 0.25% rate benefit' depending on your loyalty programme.

• {{1}} — customer first name (e.g. Rohan)
• {{2}} — reward earned, as points, cashback or a rate benefit (e.g. 500 reward points)
• {{3}} — your NBFC brand name (e.g. FinServe)
• {{4}} — redemption deadline as a clear date (e.g. 31 Aug 2026)
• Every Marketing template must end with an opt-out instruction such as 'Reply STOP to opt out'

Personalisation that respects RBI and Meta rules

The line between a warm loyalty nudge and a non-compliant financial solicitation is thin, so personalise the human details and stay conservative on the financial ones. Merge the customer's name, their real points balance and the product they hold, but never imply a guaranteed loan approval, an assured return, or a benefit the customer has not actually earned. If your reward is a rate concession, state that it is subject to eligibility rather than promising it outright. This keeps you aligned with RBI fair-practice expectations and ASCI advertising norms while still feeling like a genuine 1:1 message. Send from a verified WhatsApp Business number tied to your own BSUID so the sender identity is unambiguous and the message never reads like a spoof.

What it costs and how the free window helps

This template is a Marketing template, so when it opens a fresh conversation with a customer it bills at Meta's per-delivered marketing rate on the live rate card, plus InfiQ's transparent ₹ platform pricing (ex-GST). Meta moved off per-conversation billing on 1 July 2025 — you are charged per delivered message by category, not per 24-hour session. That said, the 24-hour service window still matters: if a borrower has messaged you recently (say, right after paying an EMI), you can often deliver a loyalty follow-up inside that free service window at no messaging charge. Batch your loyalty sends thoughtfully — a well-timed reward to an engaged, opted-in customer earns its cost back many times over in retention and repeat lending.

• Marketing category — billed per delivered message
• InfiQ adds transparent ₹ platform pricing on top, ex-GST — no per-conversation charge
• The 24-hour window is a free service window, not a billing unit
• Reward opted-in, active customers to keep delivery rates and quality scores high

Getting it approved on the first submission

The single biggest reason loyalty templates get rejected is submitting them as Utility to dodge marketing rates — Meta reclassifies them and flags the account. Submit this as Marketing from the start. Provide realistic sample values for all four variables (not '{{1}}' placeholders or gibberish), keep the reward claim truthful and matching your actual programme, and include the opt-out line in the body. Avoid all-caps shouting, excessive emojis and anything that reads like a guaranteed financial return. Templates typically clear review within a day; once approved, you can send instantly through InfiQ and reuse the same template across thousands of personalised sends.