Refer & Earn – ₹1500 for you, ₹100 for them

A "Referrer" is a customer who shares a unique invite code with others. A "Referee" is the person who joins using this invite code from the Referrer.

Terms & Conditions for Referrer:

1. There are limited referral codes that a Referrer has at any point. The number of these codes is decided by Kiwi and can change dynamically.
2. After the last available code is used, fresh codes will be issued after a predefined time, as decided solely by Kiwi. The time of issuance will be displayed on the referral screen.
3. Each code can be used to invite only 1 user. Once a Referee enters the code during card application, it is considered 'used' and cannot be reused. Referral links alone do not count as valid referrals.
4. A valid referral occurs when:
   • The Referee enters the Referrer's code during the card application journey on Kiwi, and
   • The Referee's credit card is issued, and
   • The Referee completes their first UPI transaction using the card.
5. To be eligible for rewards, the Referee must enter the Referrer's code at the designated step; otherwise, both are ineligible.
6. The Referrer will earn:
   • ₹1500 per successful referral if the Referee completes their IPA form between 24th & 30th September 2025.
   • ₹800 per referral if the IPA form is completed after 30th September 2025.
7. This offer is only for users who received communication via official Kiwi channels (WhatsApp, Push Notification, in-app, or email).
8. A Referrer is eligible for only one offer at a time, incase of IPA submissions made after 30th September 2025 the Referee will receive the referral benefit applicable at the time of IPA submission.

Terms & Conditions for Referee:

1. A Referee who successfully validates an invite code after registering and completes their first transaction with the issued Kiwi credit card is eligible for referral benefits.
2. The referee must complete their credit card KYC on Kiwi within 30 days of registration for both the referrer and referee to be eligible for the referral reward.
3. The Referee earns ₹100 once the credit card is issued and the first transaction is successful.
4. Only Referees who download the app via the referral link and start their card application within 5 days can enter the referral code.
5. Referees must enter the invite code given by their Referrer to be eligible.
6. Entering the wrong code 5 times will block referral benefits; this limit can change at Kiwi's discretion.
7. The invite code can be entered only on one screen; missing this step makes the Referee ineligible.
8. This offer is only for Referees who received communication via official Kiwi channels (WhatsApp, Push Notification, in-app, or email).