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Refer & Earn for financial products

Refer and Earn App — Cards, Loans & Demat Accounts

Share credit cards, loans and demat accounts with friends. Where a campaign offers a reward, it is paid to your bank account after the partner confirms the application.

Start Earning Free How it Works
RBI-regulated partners Bank-verified payouts Works on any device

How the Refer & Earn App Works

Three simple steps to start earning real cash from your network.

STEP 1

Share your link

Get your unique referral link in seconds — no waiting, no paperwork.

STEP 2

Friends apply

They apply for any credit card, loan, or demat account through your link.

STEP 3

Rewards, if applicable

Where a campaign offers a reward, it is paid to your bank account after the partner confirms the application.

How Much You Can Earn

Payouts are commission-based — released only after the bank confirms a real customer.

Credit Cards
Per campaign
Reward applies when the card is approved and activated, as per campaign terms
Personal Loans
Per campaign
Reward applies on confirmed disbursal, as per campaign terms
Demat Accounts
Per campaign
Reward applies on confirmed account activation, as per campaign terms

*Payouts subject to bank approval & confirmation. Earnings vary by product, partner, and applicant profile. Refer to our terms for full details.

Why CreditsIn Beats Other Refer & Earn Apps

Referral rewards are published per campaign and paid to your bank account, not to a closed wallet
Real cash to your bank — no wallet locks, no expiry
No targets or minimum referrals — earn from your very first sign-up
100% transparent tracking — see every click, application, and payout in real-time
Bank-grade security with RBI-regulated lending partners
Tier rewards — Gold and Platinum referrers earn 30% more

Refer & Earn FAQ

Is the CreditsIn refer and earn app free?▾

Yes. Signup, referral link generation, and withdrawals are 100% free. No subscription, no hidden fees.

How much can I earn from referrals?▾

Creditsin does not promise any income. Reward amounts are published per campaign inside your account and depend on the product, the active campaign terms and the partner confirming the application as valid.

When do I receive my referral payout?▾

A payout is released only after the bank or NBFC confirms the referral and Creditsin completes its verification. Timelines are set by the partner and are not fixed by Creditsin. Funds transfer to your verified bank account.

How is CreditsIn different from PhonePe, Paytm, or CRED refer codes?▾

Creditsin rewards are tied to a confirmed financial product application rather than a signup bonus, and are funded from partner commissions. Amounts vary by campaign, so compare the current terms before you share.

Do I need to be a finance expert?▾

No. We provide ready-made share messages, product comparisons and explainers, so anyone can share suitable products with their contacts.

Ready to start earning?

Join 50,000+ Indians earning real cash by referring credit cards, loans and demat accounts.

Get my Referral Link Free