Get the app The app makes the journey easier. Your explanation makes the customer comfortable. Learn the sequence, practise the conversation and know what to check.
Care in the details.
Confidence at the counter.
Both brands’ published Terms and Redemption Policies are effective 20 July 2026. The confirmed product-rule difference in these documents is when a completed Scheme unlocks collection and receives its rebate.
| Teach this | Kanika Gold | VKN Jewellers |
|---|---|---|
| Scheme completion | Rebate and Scheme collection eligibility on the 12th/final payment. | Rebate and Scheme collection eligibility in month 13, one month after final payment. |
| Purchase paths | 916 gold. Vault from RM50. A 12-month Scheme from RM100 per month. | Same published minimums, purity and 12-payment structure. |
| Rebate value & use | Equals the committed monthly amount. Deducted once from one jewellery bill. Unused value is not carried over or refunded. | Same. Example: a qualifying RM200 monthly commitment earns a RM200 rebate, recorded in month 13. |
| Missed payments | No grace period. First miss: rebate reduced 50%, Scheme stays open. Second miss: Scheme closes, gold moves to Vault, no rebate. | Same published rule. Purchased gold is retained. |
| Vault availability & identity | No Vault waiting period. Identity verification required before redemption. | Same. No published guaranteed KYC processing time. |
| Jewellery collection | Minimum 1g. Jewellery only; no bars, coins or promotional items. Collection code expires after 5 minutes. | Same. Workmanship payable at the counter; eligible rebate deducts from the bill. |
| Fees & sell-back | Published terms list gold price and workmanship only. Store quotes its buy-back rate. No fixed 86% formula specified. | Same wording. Do not assume the two brands quote the same price. |
| Referral points | Two tiers, earned on purchases, expire after 12 months. Used in-app to buy gold; rates follow the current rewards schedule. | Same structure. Actual reward rates need the VKN schedule, not Kanika’s. |
Still not established: identical backend implementation, decimal rounding, current reward rates, KYC turnaround and whether old accounts retain earlier terms. This comparison establishes published policy, not completed transaction testing.
Choose an intention. Practise the explanation. These are learning examples, not live transactions.
“Let’s review the amount, current rate and charges together. You decide whether to continue.”
See the relevant app screen ↗Choose an answer to see why.
Question 1 of 3If the customer is not buying, ask whether price, size, design or timing is the concern. Record a follow-up only with permission. Check custom requests before promising availability, price or a completion date.
Confirm the phone, connection and current VKN information. Open the guide as a fallback, and use a demonstration account with notifications hidden.
The eligible gold-purchase amount divided by the applicable price per gram gives an indicative gold quantity. Let the customer try the example with you.
Training illustration only. Actual credited grams, fees and rounding follow the live app and current VKN terms.Choose a scenario. Think through the first action, then reveal the guide.
Confirm the transaction reference, payment date and recorded status. Escalate an unmatched payment to the responsible VKN team. Do not manually credit gold from a screenshot alone.
Review the current VKN plan, payment history and completion conditions. Explain only the benefit the customer is eligible for; do not promise an automatic bonus.
Check the live redeemable balance and the current identity and collection requirements. Continue through the approved counter process only when the request is eligible.
Use the presentation for the room and the walkthrough for closer screen-by-screen questions.
Enter presentationConnect the app to the jeweller and physical gold.
Explain the two purchase paths and how grams are recorded.
Show the protected handover and eligible rewards.
Clarify the next step, then show the official store QR codes.
0 of 4 preparations complete
This is a staff learning and demonstration guide. Detailed fees, reward eligibility, identity requirements and exception approvals must follow VKN’s current operating policy and live app terms.
Confirm the phone, connection and current VKN information. Open the guide as a fallback, and use a demonstration account with notifications hidden.
Begin at Home, explain the displayed rate and ask whether a monthly rhythm or a one-time purchase fits the customer’s intention.
Explain the amount, applicable rate, fees and full payable total. In a demonstration, finish at review; an actual customer authorises their own purchase.
Use Scheme Details or Vault activity to explain recorded gold and completed events. Compare the relevant transaction, rather than guessing from a total.
Before releasing gold, follow VKN’s approved identity, eligibility and collection process. Complete both sides of the protected code exchange at the counter.