Question 1

What can I use instead of Rubi pays you in Nigeria?

Accepted Answer

If you’re in Nigeria, start with Cardcosmic or Hook if you want to turn gift cards into cash value. Hook supports trading and redeeming 30+ gift cards and also includes bill payments, while Cardcosmic focuses on gift card selling with verification and fast payouts. For instalment payments instead of rewards, CredPal is a BNPL option in Nigeria.

Question 2

Best Rubi pays you alternative in South Africa for people who want rewards with insurance?

Accepted Answer

For South Africa, Naked Insurance, Pineapple, and Clientèle are the closest Rubi pays you alternatives if your priority is benefits tied to insurance. Naked Insurance positions itself around buying and managing cover in 90 seconds, and Clientèle also supports USSD access. These are a better match when you want protection plus perks, not payments for data use.

Question 3

What apps are like Rubi pays you for cashback and discounts?

Accepted Answer

For cashback-style rewards, Lucky is a direct alternative, focused on earning cashback and discounts as you shop. Lucky lists rewards across 100+ websites and 3,000+ stores and is available in Egypt. This is a different rewards model from “paid data sharing”, but it scratches the same itch of earning back value from everyday activity.

Question 4

Is Rubi pays you available in Kenya, and what should I compare it with there?

Accepted Answer

Rubi pays you is listed as accessible in Kenya, and a practical Kenya-based comparison is Apptivate Africa if you care about digital vouchers and benefits. Apptivate Africa operates in Kenya and Uganda, aimed at issuing and tracking meal and gift benefits redeemed at partner merchants. It is a different use case, but it is a realistic “earning and redemption” alternative available in-market.

Question 5

Which Rubi pays you competitor works in Morocco?

Accepted Answer

In Morocco, Tookeez is a strong Rubi pays you alternative if you want loyalty value you can spend across a partner network. Tookeez is described as a blockchain-based loyalty aggregator in Morocco that converts points into tokens. For Morocco and Egypt shoppers focused on discounts, Lucky is another option, although it is listed as available in Egypt.

Question 6

Does Rubi pays you cost anything compared with similar apps?

Accepted Answer

Rubi pays you is free to download and use, with no subscriptions mentioned. Many alternatives use different pricing mechanics: CredPal is a BNPL product where costs typically depend on the instalment plan and KYC-based limits, while Lucky earns its place by providing cashback and discounts through merchant partnerships. Compare based on how you earn and redeem, not just the download price.

Question 7

How do I switch from Rubi pays you to another app without losing track of your earnings?

Accepted Answer

Switch by picking one category first, then moving your activity there: for gift-card cashouts use Hook or Cardcosmic, for cashback use Lucky, for insurance-based benefits use Pineapple or Naked Insurance. Rubi pays you withdrawals are via bank transfer, so withdraw any balance you want to keep before you stop using it. After that, set up the new app and test a small redemption or payout flow to confirm it works in your country.

Top 25 Best Rubi Alternatives & Competitors (2026)

Alternatives to Rubi

Points Africa

Lucky

Kenz'up

Tookeez

Apptivate Africa

Pineapple

ValueSwap

CardKK

Cardcosmic

Naked Insurance

Hook

ETAP

DuexMedia

CredPal

Discovery Limited

Phundit

Fingo Africa

Dot

Raseedi

Spark by Absa

Standard Bank

Waffarha

GiftPesa

SaveDirectly

Frequently Asked Questions

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