Tortoise brings to you Save Now, Buy Later - a whole new way to plan and save up for your dream purchases, and earn cash rewards in the process.

Tortoise partners with your favourite brands and merchants to bring you their saving plans. Simply select your desired brand or product, decide how much and how long you want to save and get started. Make monthly payments towards your savings goal, and earn additional cash rewards towards your purchase upon completion of your goal.

Tortoise is not an investment app - we do not keep your deposits. Your money is stored safely in RBI-regulated escrow accounts. You can choose to cancel your savings plan at any point in time, to get all your deposits back instantly.

Why should you save with Tortoise?

1. Additional rewards, over and above your savings goal.
2. Tortoise puts you in control. You decide how much, and when you want to save. Save, and purchase, on your terms.
3. Avoid taking loans and EMIs to make your purchases. Saving up and buying later means cash rewards, no debt, credit, or fees.
4. Greater flexibility. Sudden change in plans? No problem! Tortoise allows you to cancel anytime for instant, 100% refunds without any hidden charges.

Saving up for large purchases has been a timeless practice, ingrained in our culture of thoughtful consumption. Tortoise aims to leverage technology in order to make this practice mainstream, especially in a world pushing you to spend and borrow mindlessly.