WhalesPod is a location based aggregate platform of loyalty and rewards for offline retailers intended to promote local shopping. Unlike the existing inhouse loyalty and reward programs in the offline retail sector that are compelling redemption of reward points to rebuy within an agreed period of time, WhalesPod enables the customers to use the accumulated reward points collected from different retail vendors to pay their monthly Utility Bills, Recharges etc from Bharat Bill Payment Gateway integrated in the WhalesPod mobile application.