Here’s how Clinkle works. You can send money to other Clinkle users for free as long as you send it from your bank account. Clinkle’s long legalese “cardholders agreement” made it hard to tell if you’ll be charged for sending money to friends via credit card or debit card. Clinkle users can also apply to get a pre-paid Visa credit card that they set to be automatically topped up from their bank account each week. When people use their Clinkle card to pay, they fill up a reward meter. After every seventh payment, Clinkle card users are awarded a “Treat”, such as free coffee or ice cream. They can send that Treat to a friend, who must make some payment with their Clinkle card to open it. Those wide-eyed and bushy-tailed enough to still be on the app can use a gesture to “spin” their treat for a chance to get their last purchase refunded.

http://techcrunch.com/2014/09/23/clinkle/