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The AI Card OS for banks

Out-serve the fintechs. Without rebuilding the bank.

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Pan AI · by Reward360

Servicing, disputes, credit and rewards stay connected in one place, from the first question until it’s done.

Built by Reward360
100M+ cardholders

One AI layer on top of every card system and partner you run.

100M+ cardholders · 17 years

A product of Reward360, which runs the rewards programmes at HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank and Standard Chartered.

  • HDFC Bank
  • ICICI Bank
  • Axis Bank
  • Kotak Mahindra Bank
  • Standard Chartered

The problem01

Revolut didn’t win on cards. It won on how simple everything feels.

Your card does more than theirs: richer rewards, better benefits, decades of trust. But it runs on a dozen systems and dozens of partners, built over years by different vendors. Cardholders feel every seam, a fintech is one tap away, and rebuilding takes years you don’t have.

Card dispute

Three calls to dispute one charge.

3 calls

The cardholder explains it to three teams and waits days for an answer.

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Pan AI closes the gap between what cardholders ask for and what your systems and partners can do.

TodayThree teams, the story told again at each one, and days before it's done.

Solutions02

The card. The rewards. The life around it. All handled by one AI.

Everything a cardholder can ask of the card, and everything the card can do for them. Pick one and watch Pan AI handle it.

Every card request, finished.

Pan AI · Demo Bank

My new card just arrived.

Explore solutions

Card OS 03

Sits on top of every card system and partner. Replaces none of them.

You keep the core, the processor, the partners and every system you’ve invested in. Pan AI connects them, so you move at fintech speed with what you already run.

Explore Card OS

  • Cardholders

    App · Web · Chat

  • Your teams

    Contact centre · Card product · Risk

  • Pan AI agents

    Answer · Suggest · Act · Hand over

Card OS · one cardholder view, one set of rules, one record of every action

  • Card processor
  • Core banking
  • Disputes
  • Fraud
  • Rewards
  • CRM
  • Offers
  • Dining
  • Shopping
  • Entertainment
  • Insurance
  • Concierge
  • Travel partners

The numbers04

Three numbers that decide a card business.

We agree the targets with you before we start, and you can check them live on your dashboard.

  • /01

    Cost to serve

    Down

    Fewer calls, fewer handoffs, fewer repeat contacts.

  • /02

    Spend per card

    Up

    Your card stays first in the wallet, for the sofa, the dinner and the trip.

  • /03

    Cards kept

    Up

    Cardholders stay because they use what the card gives them.

A product of Reward36005

100M+

cardholders reached through the banks we serve

17 years running loyalty for banks.

Reward360 runs the rewards, offers and partner experiences at five major banks. Pan AI brings the same depth to servicing, disputes and credit.

  • HDFC BankSmartBuy
  • ICICI BankiShop · iRewards
  • Axis BankEdge Rewards
  • Kotak Mahindra BankUnbox
  • Standard Chartered360° Rewards
  • PCI DSS
  • ISO 27001
  • SOC 2
About Reward360

How to start06

Start with one card portfolio.

Pick the card portfolio and the number you want to move. You plug your systems and partners into our standard connectors, we agree the rules with your risk team and put it live. You’ll watch the number on your dashboard.

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  1. /01

    Choose

    The portfolio, the problem and the number to move.

  2. /02

    Connect

    Your systems, your partners and your risk rules, through our standard connectors.

  3. /03

    Go live

    With real cardholders, and results on your dashboard.

FAQs07

Questions banks ask before they start.

Connections, ownership, control and how you’ll know it works.

01.What do we need to connect?

Your card processor, core and rewards systems, through our standard connectors. Your team plugs them in, and we agree what data Pan AI can see for the first portfolio.

02.Who owns it after launch?

Your teams set the rules and watch the results on the dashboard. Our team works alongside them through launch and after.

03.What can Pan AI do without a person?

Only what your bank allows. You set the permitted actions and which decisions always go to your team.

04.Does it work with our current app?

Yes. We agree how Pan AI connects to your bank's channels as part of the first portfolio.

05.Which numbers prove it works?

Start with resolution time, repeat contacts, cost to serve, spend per card and cards kept. The first portfolio tells you where to go next.

Get startedNow

Big-bank trust. Fintech speed.

Pan AI.
The AI Card OS for banks.

Book a demo

30 minutes

With our team, then we’ll talk about your portfolio and where to start.

  • A live cardholder conversation for a demo bank
  • The work happening in the card, dispute and rewards systems behind it
  • The live dashboard your teams would use
  • The record of every action
Book a demo