Credit Card Refer & Earn Apps: Sign-Up Bonuses Compared
apps6 apps comparedverifiedVerified offerseventUpdated 23 Oct 2026
Credit card referral bonuses are the largest on this site and the slowest to receive. The cashback is tied to an event that takes days or weeks: a card being approved, a card being linked to UPI, or a first transaction going through. Every offer here needs full KYC, and the approval-based ones pay nothing if the application is rejected, so it is worth being selective rather than applying to several cards at once.
This page compares every credit card and card-linked app on ReferralHunt with a live refer-and-earn offer, including the one cross-border wallet whose bonus is paid in AED. The table is built from the same verified offers as each brand page, so a changed bonus or condition shows up here the same day.
Finance & Credit Card referral bonuses compared
| App | What you get | Bonus | KYC | Code |
|---|---|---|---|---|
| super.money Axis superCard Pro Credit Card | Get Up to ₹500 Bonus on Axis superCard Pro | ₹500 | Needed | Get linkarrow_forward |
| INDmoney (Credit & Credit Cards) | Free Credit Score Check + Instant Cashback on First Credit Card Approval | ₹500 | Needed | Get codearrow_forward |
| Kiwi | Get ₹100 Joining Reward and 1.5% Cashback on UPI | ₹100 | Needed | Get codearrow_forward |
| PhonePe Rupay Referral Link | Get ₹50 Cashback on Linking RuPay Credit Card | ₹50 | Needed | Get linkarrow_forward |
| Careem Pay | Get AED 25 on Your First International Money Transfer | ₹25 | Needed | Get linkarrow_forward |
| GroMo | Get up to ₹500 Welcome Bonus on GroMo | — | Needed | Get codearrow_forward |
All Finance & Credit Card referral codes
super.money Axis superCard Pro Credit Card
Finance & Credit Card
Get up to ₹500 as a welcome bonus when you successfully apply for the Axis superCard Pro using the active referral link, plus earn up to 5% cashback on your daily UPI payments.
Referral Link
Click to view offer
INDmoney (Credit & Credit Cards)
Finance & Credit Card
Get a free detailed credit report, zero-fee credit score tracking, and instant cashback rewards upon applying for eligible credit products.
Referral Code
RDTL8GGTIND
Kiwi
Finance & Credit Card
Get a ₹100 joining reward when your lifetime free Kiwi credit card arrives, plus flat 1.5% cashback on every Scan & Pay UPI payment.
Referral Code
RB38M4
PhonePe Rupay Referral Link
Finance & Credit Card
Claim an instant ₹50 cashback reward when you link your RuPay Credit Card on the PhonePe app and complete your first UPI credit transaction.
Referral Link
Click to view offer
Careem Pay
Finance & Credit Card
Receive AED 25 credited directly to your Careem Pay wallet immediately after you successfully complete your first international money transfer using the referral link.
Referral Link
Click to view offer
GroMo
Finance & Credit Card
Get a welcome bonus ranging from ₹250 to ₹500 upon joining and completing qualifying sales.
Referral Code
HM8S2554
How to pick the right credit card referral offer
- Know the trigger. "₹500 on approval" pays only if the bank approves you; "₹50 for linking a RuPay card" pays on the link itself and needs no new card. The second is small but nearly guaranteed.
- Every application is a credit enquiry. Applying for several cards to collect several bonuses can dent your credit score for months. Pick the card you would want anyway and take that bonus.
- KYC is full, not lite. Expect PAN, Aadhaar, a video or in-person check, and sometimes income proof. The referral bonus is released only after the card is live.
- Cashback may need a first spend. Some offers credit the bonus after the first transaction on the card, with a minimum amount, not on approval alone.
- Cross-border offers pay in foreign currency. A money-transfer wallet listed here pays its bonus in AED after a first international transfer; the rupee value in the table is approximate.
FAQ
Which app gives the highest credit card referral bonus?
The comparison table above is sorted by the current maximum bonus and generated from live offers. The biggest amounts are approval-based, so weigh them against the chance of approval; a smaller bonus for linking an existing card is often the better expected value.
Is the bonus paid when I apply or when I am approved?
On approval or after a first transaction, never on application. If the bank declines the card, there is no bonus, and the credit enquiry still shows on your report.
Does applying through a referral link affect my credit score?
The referral link itself does not, but the card application does: each application is a hard enquiry. One or two are normal; many in a short period can lower your score.
Why hasn't my credit card referral cashback arrived?
Check the trigger first: approval-based bonuses appear after the card is issued and activated, first-spend bonuses after a qualifying transaction settles, and card-linking bonuses after the link is verified. Most apps show pending rewards in a rewards or cashback section; if the trigger has clearly happened and nothing appears within the stated window, contact the app's support with the referral code you used.
Guides for these apps
- articlesuper.money Axis superCard Pro Referral Code: Get ₹500
- articleINDmoney Referral Code: Get ₹500 Cashback & Free Credit Score
- articleKiwi New User Bonus: Get ₹100 and 1.5% UPI Cashback
- articlePhonePe RuPay Referral Code: Get ₹50 Cashback on Linking
- articleCareem Pay Referral Code: Get AED 25 on First Transfer
- articleGroMo New User Bonus Explained: Get up to ₹500