How Refer and Earn works
The NiyoX Refer and Earn programs gives you an opportunity to let your loved ones experience digital banking and the convenience of a 2-in-1 account just like you.
After all--sharing is caring!
Get your customizable unique Referral Code from the Rewards & Referrals screen
Invite your friends to sign up with your Referral Code
Your friend opens a NiyoX account and adds more than ₹999 to their account
You and your friend both instantly get a scratch card reward of up to ₹200
Frequently Asked Questions
NiyoX has launched a referral program for all of its users. This program will let you refer a friend and earn an extra referral reward to your Niyo Equitas Savings Account. You can find your unique Referral Code on the “Referrals” screen in the “Rewards & Referrals” section inside your NiyoX app. You can share this Referral Code and link with your friends and family to use while opening their NiyoX account. Once they open their account and add more than ₹999 to their account, both you and your friend will instantly receive a scratch card reward of upto 200.
To find your unique Referral Code, just tap on Rewards & Referrals > Referrals.
Please note that it is a customizable code unique to your NiyoX account.
You can share your Referral Code with your friends and family members on any platform of your choice. You can also use the in-app share function (such as WhatsApp, SMS, Linkedin, Instagram, Email, Facebook, Twitter) to share the preset text along with your code and link.
Your Referral Code can be used by anybody new to NiyoX (excluding existing or past customers of Equitas Small Finance Bank). You can find your unique Referral Code on the “Referrals” screen in the “Rewards & Referrals” section. Your friend or family member can use the code/link to open a NiyoX account and add money to their account, so both of you can get the referral reward.
You can earn the referral reward when the following conditions are fulfilled:
- Your friend should use your Referral Code and link to open their NiyoX account
- Your friend should add more than ₹999 to their Niyo Equitas Small Finance Bank savings account
That’s it, both you and your friend will instantly get a scratch card reward of upto ₹200 each.
Terms & Conditions
- You can earn a total of 5 scratch cards, each of up to ₹ 200, amounting to a total value of up to ₹ 1000 (₹ 200*5) per user by
referring your friends.
- During the offer period, if your invitee registers/opens an account on Niyox with your unique and case-insensitive Referral
Code and loads an amount of more than ₹ 999, you both will be eligible for the Niyox “Refer & Earn” offer.
- Only load transaction of more than ₹ 999 which is adding money to your Niyo Equitas Savings Account qualifies for the reward
- Each scratch card is valid for a period of 180 days starting from the day it is awarded to you.
- You may invite any number of your friends to join Niyox but will be rewarded for the first 5 referrals
- 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
- This offer is subject to your compliance with the Niyo Terms of Service