Referels and Rewards

Hello community,

I am a new user. Would like to know about referals and rewards program.
Please enlighten me.

Cheers !

Hey @Rishabh_Jain ! Welcome to :niyo_community: Community. We’re happy to have you onboard :airplane:.

Refer your friends & earn up to ₹50 each for first 5 referrals


Your Friend uses your code > Load an amount greater than ₹999 > You both earn upto ₹50

Terms and Conditions


  1. You can earn a total of 5 scratch cards, each of up to ₹50, amounting to a total value of up to ₹250 (₹50*5) per user by referring your friends.

  2. During the offer period, if your invitee registers/opens an account on NiyoX with your unique and case-insensitive Referral Code and load an amount of more than ₹999, you both will be eligible for the NiyoX “Refer & Earn” offer.

  3. Only load transaction of more than ₹999 which is adding money to your Niyo Equitas Savings Account qualifies for the reward criteria.

  4. Each scratch card is valid for a period of 180 days starting from the day it is awarded to you.

  5. You may invite any number of your friends to join NiyoX.

  6. In the NiyoX “Refer & Earn” offer, you can earn scratch cards only by referring users to create Niyo Equitas Savings Accounts through the NiyoX app.

  7. If you earn this reward, you will receive the amount of the scratch card in Indian Rupees(₹) in your Niyo Equitas Savings Account. Also, the invitee will receive the amount of the scratch card in Indian Rupees(₹) in their Niyo Equitas Savings Account.

  8. Each NiyoX Customer, including referred customers, can only use one set of credentials that have not been previously registered with NiyoX, which includes but is not limited to a savings account, phone number, form of payment, etc. to qualify for the offer. Any of these unique NiyoX credentials must not have been used to register another NiyoX Account.

  9. You agree that your participation in the offer constitutes your understanding of and agreement to these offer terms and conditions. These offer terms and conditions form a binding legal agreement between you and Niyo with respect to the offers, and any defined terms used herein have the meaning outlined in the Niyo Terms of Service.

  10. Niyo reserves the right, at its sole discretion, to disqualify any User who does not meet the offer requirements or in case of reasons including but not limited to any misuse of the offer or fraud or suspicious transactions/activities. Niyo also reserves the right to change, suspend or discontinue temporarily or permanently or change this referral or any Niyo offer programme at any time, at its sole discretion.

  11. This offer is subject to your compliance with the Niyo Terms of Service.

This topic was automatically closed 5 days after the last reply. New replies are no longer allowed.