PalmPay has rolled out a massive N400 million festive rewards campaign, giving Nigerian users the chance to win cash prizes and fully sponsored international trips simply by using the PalmPay app for everyday transactions.
If you are wondering how to participate, who is eligible, and what you need to do inside the app, here is a clear breakdown.
What Is the PalmPay N400m Festive Rewards Program?
The campaign is part of PalmPay’s Purple December celebration and runs from December 17, 2025, to January 8, 2026.
It rewards users for normal digital banking activities such as:
- Airtime purchases
- Data subscriptions
- Money transfers
- Other eligible in-app transactions
At the center of the promotion is a feature called the PalmPay World Travel Carnival, which allows users to earn digital cards and unlock rewards.
Who Can Participate?
- Anyone with an active PalmPay account
- Both new and existing users
- Users who perform eligible transactions during the campaign period
There is no special registration outside the app. Participation starts automatically once you begin using PalmPay during the campaign.
Step-by-Step: How to Participate in the PalmPay Festive Rewards
Step 1: Download and Set Up the PalmPay App
- Download the PalmPay app from the Google Play Store or Apple App Store
- Sign up or log in
- Complete account verification if required
Step 2: Start Performing Eligible Transactions
Use the PalmPay app for regular activities such as:
- Buying airtime
- Subscribing for data
- Sending or receiving transfers
- Paying for supported services
Each eligible transaction gives you a chance to earn city cards.
Step 3: Collect the Five City Cards
Inside the World Travel Carnival feature, users collect digital cards representing five global cities:
- London
- New York
- Dubai
- Sydney
- Cape Town
You must collect all five city cards.
Step 4: Swap Cards if Necessary
If you have duplicate cards:
- You can swap cards with friends or other PalmPay users
- This helps you complete missing city cards faster
Step 5: Combine Cards to Create a World Card
Once you collect all five city cards:
- Combine them to create one World Card
- A World Card qualifies you for a share of the cash reward pool
The more World Cards you create, the higher your potential cash reward.
Step 6: Perform More Transactions to Climb the Leaderboard
To qualify for free international trips, you must:
- Complete 100 or more eligible transactions
- Hold at least one World Card
- Rank among the top two users per round on the leaderboard
Leaderboard rankings determine travel winners.
What Can You Win?
1. Cash Rewards
- Shared among users who successfully create World Cards
- Higher World Card count = higher cash reward share
2. Free International Trips
Top performers win all-expense-paid trips, which include:
- Visa fees
- Round-trip international flights
- 5 days and 4 nights hotel accommodation
- Meals and side attractions
- Airport pickup, drop-off, and tour transportation
Each user can win only one free trip during the entire campaign.
Important Dates to Note
- Campaign Period: December 17, 2025 – January 8, 2026
- Reward Rounds & Winner Selection:
- December 25
- December 31
- January 8
Prizes are credited automatically at the end of each round.
Rules and Warnings
PalmPay has emphasized that:
- Cheating, bots, fake accounts, or manipulation are strictly prohibited
- Offenders risk disqualification or account bans
- Winners are selected through a transparent leaderboard system
The PalmPay ₦400m Festive Rewards program turns everyday banking activities into real financial and lifestyle opportunities. By simply using the app for transactions you already do, you can earn cash rewards or even travel abroad for free.
For users who stay active and strategic—especially by completing tasks early and swapping cards—the rewards can be significant before the campaign ends on January 8, 2026.