Kiwi Referral Code 2026: Get 400 Kiwis + 5% UPI Cashback
🔄 Last verified & updated:
Sign up with an active Kiwi referral code to earn 400 Kiwis (worth ₹100) instantly on signup, plus enjoy cashback ranging from base 1.5% to 5% cashback on every UPI payment through the Kiwi app. Our community pool keeps live codes always available — never use an expired one again.
Kiwi RuPay Credit Card
Redirects user to download the Kiwi App. Referral code needs to be applied manually.
✨ Signup Bonus Proof
Real reward history screenshots from our community — proof that the bonus actually arrives.
400 Kiwis credited after first UPI transaction via the Kiwi app. Redeemed for ₹100 bank transfer.
Additional Rewards to Stack on Your Kiwi Signup
This is what sets ReferralEdge apart — we find every stackable offer so you get maximum value from one signup.
Accelerated Cashback Tiers
Spend ₹5,000/month to unlock Neon tier — cashback jumps from 1.5% to higher rates on select categories.
Activate Neon Tier →Earn on Every UPI Scan
Unlike standard credit cards, Kiwi works via UPI — meaning you earn cashback even at small shops, autos and online recharges.
Get Started →How to Sign Up with Kiwi Referral Code?
Copy a Live Code Above
Pick any active code from the offer table above. All codes shown are currently active and verified by our community.
Download the Kiwi App
Download the Kiwi app from Play Store or App Store. The entire signup process happens inside the app.
Enter Mobile & PAN Details
Provide your Aadhaar-linked mobile number and PAN card for KYC. They will fetch your credit score and if your credit score is good they will ask for your personal and professional details.
Enter Referral Code When Prompted
When the app asks for a referral code, enter the one you copied. This is mandatory to claim your 400 Kiwis bonus.
Complete Video KYC
Complete a quick video KYC call with a partnered bank representative. Keep your PAN card ready — usually done within minutes.
Make First UPI Payment
Once your virtual card is activated, make your first UPI payment through the Kiwi app to trigger your 400 Kiwis signup bonus.
How to Refer on Kiwi?
Open the Kiwi App
Open your active Kiwi app and navigate to the Refer & Earn section (at the top and end of the home page).
Find Your Referral Code
Your unique 6-character referral code is displayed in the referral section. Generally, each code has 3 lives before a 7-day refresh.
Share It
Share via WhatsApp, social media or give directly. Each code supports up to 3 uses before a 7-day cooldown starts.
Earn ₹1,500 Per Referral
Once your referee gets their card issued and completes their first transaction, you receive ₹1,500 as Kiwis in your account.
🎁 Referral Reward Proof
Proof that the ₹1,500 referral reward actually gets paid — from our own reward history.
1,500 Kiwis credited after successful referral completion.
Key Benefits of the Kiwi RuPay Credit Card
1.5% Base Cashback
Earn 1.5% cashback on every transaction, credited as Kiwis to your wallet.
Neon Milestone Tiers
Unlock higher cashback rates when you hit monthly spending milestones.
Domestic Lounge
Get up to 3 domestic airport lounge access with Kiwi Neon Membership.
Zero Annual Fee
Lifetime free card — no joining fee, no renewal fee, ever.
Instant Virtual Card
Get a virtual card immediately after approval — start using it the same day.
Credit on UPI
First RuPay credit card to work natively on UPI — earn rewards at every shop.
Frequently Asked Questions
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What is the latest Kiwi referral code?
Does the Kiwi referral code expire?
How much do I get with a Kiwi referral code?
Is Kiwi RuPay credit card safe?
What is the eligibility for Kiwi card?
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