Kiwi Referral Program – Offer T&Cs

Earn ₹5,000 for every 5 successful referrals

Effective Period: Next 30 days

Eligibility & Reward Criteria:

1. Parent user (referrer / you) will receive ₹5,000 for every 5 referred users ("child users" / "friends") who complete the full onboarding and get a UPI Credit Card via Kiwi only on Yes Bank.
2. The reward will be applicable only when 5 or more users complete the carding process.
3. For example:
   • 5 friends get a new credit card = ₹5,000 reward for the parent user
   • 10 friends get a new credit card = ₹10,000 reward for the parent user
   • 15 friends get a new credit card = ₹15,000 reward for the parent user
4. No reward will be given for partial completions – i.e. only sign-up, PAN verification, form submission, VKYC, etc. are not considered sufficient unless the card is actually issued.
5. Child users must sign up within the offer period and complete the carding process within 7 days of signing up to be eligible.
6. Referrals must be made through the unique referral link or code assigned to the parent user.

Payout Process:

1. Rewards will be processed and credited to the parent user's account within 7 working days of both child users completing their carding.
2. Rewards will be disbursed directly in parent users' Kiwi wallet in Kiwis, which they might choose to redeem in their bank account as per their discretion.

General Conditions:

1. The offer is valid only for users participating within the campaign window. Kiwi reserves the right to extend, pause, or end the offer at any time.
2. Fraudulent activity, fake or duplicate accounts, or attempts to game the system may result in disqualification from the program.
3. If a referred user is already a Kiwi customer or signs up without using the referral link/code, the referral will be deemed invalid.
4. Kiwi's decision on reward eligibility is final and binding.
5. Kiwi reserves the right to withhold or reverse rewards in case of any suspicious or fraudulent activity.

Additional Notes:

1. By participating, users agree to be bound by these Terms & Conditions and Kiwi's Privacy Policy.