Kiwi Referral Code UUY92Y : Get ₹1500 cashback when you signup on Kiwi using the Referral Code and earn an additional ₹1500 cashback. You can get a Lifetime free credit card which offeres upto 5% cashback on your daily transaction, it's a Rupay card so you can use as UPI card also.
Kiwi Referral Code 2026: Earn ₹100 on Signup & ₹1500 Per Referral
Kiwi Referral Code
| Name | Kiwi |
|---|---|
| Referral Code | JA7UFJ |
| Referral Link | Visit Kiwi |
| Signup Bonus | ₹100 |
| Referral Rewards | ₹1500 |
| Last Updated | Jan 16, 2026 |
About Kiwi Referral Code
Looking for a way to earn extra cash while enjoying the benefits of a UPI credit card? The Kiwi Credit Card is one of the best options available, offering attractive cashback on UPI payments and other transactions. Currently, Kiwi is running an exciting referral program where you can earn ₹100 on signup and ₹1500 for every successful referral. This is a fantastic opportunity to maximize your savings and even help your friends benefit from this innovative financial tool.
If you’re new to Kiwi, check out our detailed guide on how to apply for the Kiwi Credit Card with step-by-step instructions.
What is Kiwi?
Before diving into the referral program, let’s understand what makes Kiwi stand out in the crowded fintech space:
- UPI-Enabled Credit Card: Kiwi offers a virtual RuPay credit card that works seamlessly with UPI, allowing you to make payments directly from your credit line.
- Rewards System: Earn Kiwis (reward points) on every transaction, which can be redeemed for cashback, discounts, or other exclusive offers.
- Neon Membership: For enhanced benefits, users can opt for the Neon Membership, which provides higher cashback rates and additional perks.
- No Annual Fees: Unlike traditional credit cards, Kiwi often waives annual fees, making it a cost-effective choice for users.
Why Use the Kiwi Referral Program?
The Kiwi referral program is one of the most lucrative in the market. Here’s why you should take advantage of it:
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- High Earnings: Earn ₹100 instantly on signup and ₹1500 for every friend who signs up using your referral code.
- Mutual Benefits: Your friends also receive ₹100 cashback when they sign up, making it a win-win situation.
- Easy Process: The referral process is straightforward, and you can share your code via WhatsApp, email, or social media.
- No Limits: While there may be a cap on the number of referrals, the earnings per referral are among the highest in the industry.
How to Refer Friends on the Kiwi App
Follow these simple steps to start earning through the Kiwi referral program:
- Download the Kiwi App: If you haven’t already, download the Kiwi app from the Google Play Store or Apple App Store.
- Sign Up or Log In: Create an account or log in if you’re an existing user.
- Find Your Referral Code: Navigate to the “Refer & Earn” section in the app to find your unique referral code.
- Share Your Code: Share your referral code with friends via WhatsApp, SMS, email, or social media.
- Earn Cashback: Once your friend signs up using your code and completes the required transactions, both of you will receive the cashback.
Kiwi Referral Earnings
To make the most out of the Kiwi referral program, consider these actionable tips:
- Share on Social Media: Post your referral code on platforms like Instagram, Facebook, or Twitter to reach a wider audience.
- Use WhatsApp Groups: Share your code in family or friend groups where people are more likely to trust and use it.
- Explain the Benefits: When sharing your code, highlight the ₹100 signup bonus and other perks to encourage signups.
- Track Your Referrals: Use the app to monitor how many friends have signed up and how much you’ve earned.
Frequently Asked Questions (FAQs)
1. How much can I earn from the Kiwi referral program?
You can earn ₹100 on signup and ₹1500 for every successful referral. The number of referrals may be limited, so check the app for details.
2. Is the Kiwi Credit Card free?
Yes, the Kiwi Credit Card typically has no annual fees, making it a cost-effective choice.
3. How do I redeem my Kiwi cashback?
Cashback earned through referrals or transactions can be redeemed directly in the app under the “Rewards” section.
4. Can I use the Kiwi Credit Card for UPI payments?
Yes, the Kiwi Credit Card is UPI-enabled, allowing you to make seamless payments via UPI.
Conclusion: Start Earning with Kiwi Today!
The Kiwi referral program is an excellent way to earn extra cash while introducing your friends to a fantastic financial tool. With ₹100 on signup and ₹1500 per referral, it’s one of the most rewarding programs available. Don’t miss out—apply for your Kiwi Credit Card today and start sharing your referral code!
Share Your Referral Code
Help the community by sharing your working referral code
Submitted By: Giri
Nov 1, 2025
Code: N5R98J
Submitted By: Giri
Nov 1, 2025
Code: N5R98J
Official Code
Jan 16, 2026
Code: JA7UFJ
Link: https://bitli.in/Wy4wR5P
Official referral code with guaranteed signup bonus and best rates.
Frequently Asked Questions
What is the Kiwi Referral Program?
The referral code for Auto Draft is JA7UFJ. When you use this code during signup, you will receive a bonus of ₹100. Alternatively, you can use the direct referral link: https://bitli.in/Wy4wR5P.
When will I receive my signup bonus?
Most referral bonuses are processed instantly or within 24-48 hours after meeting the minimum requirements. Check the specific terms and conditions for Auto Draft for exact timing.
Can I use multiple referral codes?
No, typically only one referral code can be used per account for Auto Draft. Make sure to use the best available code during your initial signup.
What is the Signup Bonus If I use Referral Code For Auto Draft?
You will get ₹100 as a signup bonus.
How do I ensure I get my ₹800 joining bonus?
To receive the bonus, you must enter the referral code provided by your friend on the designated screen during the in-app application process. After your application is approved and the virtual card is issued, you must complete your first UPI transaction using the card. The bonus is then credited.
What happens if I forget to enter the referral code during signup?
Entering the referral code is a critical, one-time step. If you miss or skip the screen where the code is entered, both you and the person who referred you will become ineligible for the referral bonus. The code cannot be added later.
When will the referral bonus be credited?
The referral bonus for both the referrer and the new user is processed and credited within 7 working days after the new user completes their first transaction with the Kiwi card. The reward is disbursed into the user's Kiwi wallet and can be redeemed to a linked bank account.
What counts as a 'successful referral'?
A referral is only considered successful when the new user (referee) uses the referral code, completes the entire application and KYC process, gets their credit card successfully issued, and makes their first UPI transaction using that card. Simply signing up or partial completion is not sufficient.
As an existing user, how do I find and share my referral code?
You can find your unique referral link or code within the Kiwi app, typically in a dedicated 'Refer & Earn' section. You can then share this code directly with friends via messaging apps, email, or social media.
Is the Kiwi credit card actually free?
Yes, the standard Kiwi credit card is a lifetime-free card, which means it has no joining fees and no annual fees.
Are there limits on how many friends I can refer?
Yes, a referrer is given a limited number of referral codes at any one time. Once all available codes are used, a fresh set will be issued after a period of time, which is displayed on the referral screen in the app.
Can I use the Kiwi card on other UPI apps like Google Pay or PhonePe?
Yes. The Kiwi card is a RuPay credit card. Once activated, you can link it to third-party UPI apps like Google Pay, PhonePe, and Paytm to make payment
