Circles Zerofy: Turn Everyday Spend into a Zero Mobile Bill

Imagine this: you shop at your favourite brands, and your mobile bill shrinks automatically. Sounds like magic? That’s what Circles Zerofy is all about.

What Is Circles Zerofy?

Circles Zerofy is a unique shopping-to-rebate program built into the Circles.Life app. When you purchase from participating merchants through Zerofy, you’ll earn “Cashin”—basically a form of cashback—that goes straight toward offsetting your monthly Circles.Life bill.

Over time, your bill could be reduced all the way down to $0.

How It Works

1. Shop via Zerofy
   Open the Circles.Life app, head to Zerofy, and click through to merchant offers (Shopee, Apple, Uniqlo, etc.). Your shopping session must begin via the app to qualify.

2. Complete Qualifying Purchase
   You’ll earn Cashin only if your transaction meets merchant-specific terms (exclusions like gift cards, top-ups, or shipping fees may apply).

3. Confirmation & Crediting
   The merchant needs to validate your purchase. Cashin initially goes into a pending status, then becomes confirmed (which may take up to 30–120 days). Once confirmed, it’s automatically applied to your next Circles.Life bill.

4. Offset Your Bill
   The confirmed Cashin reduces your monthly bill. Any leftover amount rolls over to offset future bills until fully used.

Pro tip: You don’t need to take any action—once Cashin is confirmed, it’s automatically used to reduce your bill.

What You Can Expect

• Cashin Rates Vary — Each merchant may offer different percentages (e.g. 5%, 10%, up to 22% in some promos).

• No Expiry on Cashin — Your accumulated Cashin doesn’t expire (unless you port out, in which case unused Cashin is forfeited)

• Automatically Applied — You don’t have to manually apply it; Zerofy does that for you as long as you are a Circles.Life customer.

Important Details & Terms

• Zerofy is only available to active postpaid Circles.Life users in good standing. Users on the $0 Flexi plan, sub-accounts in Family Plan, or enterprise accounts may be excluded.

• Merchants have exclusions: gift cards, mobile top-ups, taxes, shipping, and canceled returns typically don’t qualify for Cashin.

• Your shopping must be done in one continuous session—no switching tabs or navigating away during checkout.

• If your order is returned or cancelled after the Cashin is confirmed, Circles.Life may claw back the amount.

• Cashin is credited only after merchant validation, often taking 30 to 120 days (depending on merchant policy).

Why Zerofy Is a Game-Changer

• Earn while you shop — Instead of separate loyalty or cashback systems, Zerofy aligns your mobile plan with your regular spending.

• Reduce financial friction — Less stress about paying bills—your everyday purchases chip away at them.

• Retention & loyalty — Because the more you shop, the more savings you unlock, it’s a win-win for both users and Circles.Life.

• Promos & early perks — During early launches, Zerofy has bonus incentives (e.g. early bird cashback).

Use Case: The $0 Bill Dream

Let’s say you spent $100 on a partner merchant that offers 10% Cashin. You’d earn $10 in Cashin. If your Circles.Life monthly bill is $20, that $10 reduces your payable amount to $10. Over time, multiple purchases add up—and you could fully zero out your bill.

Final Thoughts & Tips

• Stay within the app — Always start shopping via the Zerofy link in the Circles.Life app to ensure tracking works.

• Check merchant terms — Be aware of exclusions (e.g., gift cards, top-ups) so you don’t miss out.

• Track Pending vs Confirmed — Cashin doesn’t instantly become usable; allow for merchant validation time.

• Shop smart during promos — Bonus Cashin from new merchant launches or seasonal campaigns can accelerate your savings.

Shop. Earn. Zerofy Your Mobile Bills. Buy from your favourite brands, earn cashin, and watch your bill drop closer to zero. Sign up for a plan now!

FAQs

What is Circles Zerofy?

A Circles.Life product where you can shop through the Circles.Life app from partnered merchants, earn Cashin, and have it automatically applied to reduce your phone bill for the month.

What is Cashin?

Cashin is similar to the cashback mechanism, that gives you a percentage of what you spend on shopping from Circles Zerofy, back into your Circles.Life account. You can then use this amount to reduce your phone bill.

How do I earn Cashin?

You can do so by making your purchases from the partnered merchants through the merchant listings in the Circles.Life app. Do ensure that your purchases meet the merchants’ terms (check merchants’ exclusions and T&Cs).

How does the Cashin help to offset my Circles.Life bill?

The Cashin you earn is automatically applied to reduce your monthly mobile bill on Circles.Life. This reduces the total amount you need to pay for that month—no action needed from your side.

How do I use my Cashin?

Your confirmed Cashin will be automatically applied to your next Circles.Life bill. Any remaining balance will roll over to your following bill until it’s fully used.

Does my Cashin expire?

Your Cashin does not expire. It will be used for future bill payments. However, if you choose to port out your number, any unused Cashin balance will be forfeited.

References
Circles Zerofy Terms & Conditions