Share your referral code or link with a friend. When they get a credit card through Kiwi and make their first UPI payment with it, you both earn a reward.

Referral offers are personalised, and more than one offer runs at a time. The amount that applies to you is shown in the ###Refer & Earn### section of the app before you share your code.

Because offers differ between customers, your reward may not be the same as someone else's. This is expected.

Filling in the application form, or completing Video KYC, is not enough on its own.

You can share your code or link from there.

There is no limit on how many friends you can refer.

You hold up to 3 invite codes at a time, and new codes are generated 7 days after your last code is used.

How referrals work

Check that all of the conditions in the article above were met, in particular that the card was actually issued and that a first UPI payment was made with it.

If they were all met and the reward has not arrived, write to us from the ###Need Help### section of the app with your friend's registered mobile number and we will check it.

Referral offers are personalised, and several offers run at the same time. The offer that applies to you is the one shown in your ###Refer & Earn### section.

A different amount for a different customer is expected, and not an error.

The code can only be entered on the screen where it is asked for, during the application. It cannot be added afterwards.

If that screen was skipped, the referral reward will not apply for either of you. Five incorrect attempts will also block the referral.

The reward is credited within 7 working days of your friend making their first UPI payment with their new card.

It goes into your Kiwi rewards balance as Kiwis, where 4 Kiwis make Rs 1. You can redeem it to your bank account whenever you like.

What has to happen for a referral to count?