Kiwi Referral Details

NameKiwi
Referral CodeBYX7C4
Referral LinkVisit Kiwi
Signup Bonus₹100
Referral Rewards₹1500
Last UpdatedNov 14, 2025

About Kiwi Referral Program

Kiwi Credit Card is one of the best UPI Credit Card which offers good amount of cashback on scan & pay with other transactions. Kiwi is running an offer currently where you can earn ₹800 Cashback when you use Referral code and ₹800 for referring each friend.

Kiwi

You can read our guide on applying for Kiwi Credit card with steps – How to Apply For Kiwi Credit Card

What is Kiwi?

Before the refer & earn specifics, a quick refresher on Kiwi:

  • Kiwi is a fintech/credit‐card/UPI combo app. It offers a credit card that works with UPI — enabling you to use a virtual Rupay credit card for UPI payments.
  • Along with regular credit card features, Kiwi has a rewards system called Kiwis (points) which can be redeemed.
  • Kiwi also has a “Neon Membership” that gives enhanced cashback etc. for those who opt in under certain terms.

How To Refer Friends on the Kiwi App

You will generally have a limit of 3 referral codes. You refer friends to use the referral code, and when they use your referral code, you get a card. You will get cashback of ₹800 and your friends too get ₹800 cashback.

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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
Nov 14, 2025
Code: BYX7C4
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 BYX7C4. 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