You cannot transfer Niki credits as of now to:
- bank account
- any wallet as PayTM/Freecharge etc.
- to other Niki account
We are in process to bring the feature in the app, at least to start with from one Niki account to other Niki account and will be available in future updates.
As of now Niki credits can be earned only by availing offers, referring users and/or participating in contests where the reward is in the form of Niki credits. The earned credits can be redeemed (upto 50% of the transaction value for Elite users and 25% for all other users) with subsequent transactions that are completed in Niki.