Refer & Earn – ₹1200 for you, ₹400 for them

"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, a set of fresh codes will be issued after a predefined time as decided by Kiwi and at the sole discretion of Kiwi. The time at which fresh codes will be issued will be shown on the referral screen.
3. Each code can only be used to invite 1 user. As soon as the Referee enters the Referral code on Kiwi, that code will be termed as ‘used’, and cannot be used again. Just using the referral link does not count as a valid referral.
4. A valid referral is defined as when the Referee utilizes the code provided by the Referrer during the Card application journey on Kiwi, and the Referee’s credit card is issued and their first UPI transaction using that card is successful.
5. It is necessary for the Referee to enter the Referrer’s invite code in the application for both the Referrer and Referee to avail referral benefits. If the code is not entered at this step, both the Referrer and Referee will be ineligible for referral benefits.
6. The Referee will be able to enter the invite code only on one screen – there will be no other opportunity to enter the invite code after this.
7. The Referrer will earn a ₹1200 as referral bonus for each successful referral made.
8. This specific offer is applicable only to users who have received the offer communication from official Kiwi channels (WhatsApp, Push Notification, in-app or email).
9. The referrer can only be eligible for just 1 offer at a time. If you’re eligible for ₹1200 referral bonus on successfully referring friends, you cannot be eligible for any other referral offer at that time duration. Also, the referred user is also going to be eligible for the corresponding benefit (₹400 in this case) only and no other offer.

Terms & conditions for Referee:

1. A Referee who has successfully validated an invite code after registering on Kiwi and has made their first transaction with the credit card issued on Kiwi app is eligible for referral benefits.
2. The Referee must submit their credit card application on the Kiwi platform on or before 2nd September 2025 and must complete their first UPI transaction using the card for the referral to be valid.
3. The Referee will earn ₹400 once their credit card is issued and their first transaction using the card on Kiwi is successful.
4. Only Referees who have downloaded the app using the referral link as well as registered and started the credit card application within 5 days will see the option to enter the referral code.
5. A Referee must enter the invite code given by their Referrer to get referral benefits.
6. A Referee will be blocked from availing referral benefits if they enter the wrong code 5 times. The number of attempts can be changed at the sole discretion of Kiwi.
7. The Referee will be able to enter the invite code only on one screen – there will be no other opportunity to enter the invite code after this.
8. In case the Referee forgets to enter the code on the screen, they will not be eligible for the offer even if they have downloaded the app using the referral link provided by the Referrer.
9. This specific offer is applicable only to Referees who have received the offer communication from official Kiwi channels (WhatsApp, Push Notification, in-app or email).