The NiyoX referral program helps you earn rewards for inviting your friends & family to use NiyoX.

To refer someone:

  1. Click on “Rewards & Referrals” on the home page (you can also click on “Menu” > “Rewards & Referrals”.

  2. Click on the Referral tab (top right corner).

  3. Click on the share button next to your referral code and share it with your friends and family. 

To be eligible for the referral reward:

  1. The person you have referred should not already have an existing NiyoX account.

  2. They should open a NiyoX account using your referral code.

  3. They should load an amount higher than Rs. 999 (the first load should be above 999).

If they do all this, you will win a scratch card and you can win up to Rs. 200 on that scratch card.

Important Notes:

  1. You can refer as many people as you’d like (we’d love it if you ask many people to use our app) but you will only be eligible for up to 5 scratch cards (up to 5 rewards from this).

  2. You should maintain an average monthly balance of Rs. 5,000 to see the referral option. 

Once you have scratched the scratch card that you get from referring friends/family, the reward (amount mentioned on the card) should come to your NiyoX bank account within 3 days.

If you don’t get it within 3 days, please let us know at and we will help you out.

Please read the terms and conditions carefully.