Refer your friends and earn upto INR 10,000*

Refer your friends and help them realise their dreams. When a friend you referred buys products using ZestMoney, we will credit your bank account with INR 200. You can refer up to 50 friends; which means you could earn up to INR 10,000 by referring friends.

And what more, the friend you refer gets INR 100 once they make their first purchase.

How Refer and Earn works

The ZestMoney referral program is exclusive to ZestMoney customers who have availed an EMI plan with us. If you don’t have one, you can sign up right now!
  1. Login to your ZestMoney account and click on ‘Refer & Earn’ to view your unique, shareable referral link.

  2. Share this referral link with your friends, family and other contacts who want to use ZestMoney.

  3. Receive INR 200 when one of your friends or family buys products using ZestMoney for the first time.

  4. And what more, the friend you refer gets INR 100 once they make their first purchase.

Terms & Conditions

  1. The offer is valid only for transactions made through the ZestMoney EMI payment option.
  2. The amount will be credited directly to the customer’s bank account after the person you refer makes their 1st EMI repayment.
  3. The offer is not valid in case the person prepay’s or closes the loan prior to 2 full EMI repayments cycles as per the loan schedule mentioned in the contract.
  4. This benefit will only be available to the first 50 customers referred by each customer.
  5. On mobile app, the offer is valid on Android and iOS-based devices only.
  6. This offer is valid only for the first loan through ZestMoney. To sign up for ZestMoney or check your credit limit, go to or give a missed call on 08047193665.
  7. In case of either partial or full cancellation of the order concerned leading to refund, the refunded amount will be reduced from outstanding loan amount of the customer with ZestMoney. Any amount deducted before refund will continue to be under loan amount. In case Zero Cost EMI was applicable at time of order, it will continue to apply to the remaining outstanding amount.
  8. In case of any cashback related issues the customer should reach out at the following mentioned email and contact no:, +91 62690 00097.
  9. For further details on ZestMoney’s terms and conditions, please visit
  10. All purchases made by the customer shall be governed by the standard Terms and Conditions (subject to changes), which includes without limitation User Agreement, Privacy Policy or any other product/service related terms and conditions appearing on the website.
  11. ZestMoney reserves the right to employ reasonable technological and other methods to prevent abuse of the Offer terms. Further, you acknowledge that ZestMoney’s decision to take certain actions, including limiting access to your offer, placing holds or imposing reserves, may be based on confidential criteria that is essential to our management of risk, the security of users’ accounts, comply with applicable laws and the otherwise protect the ZestMoney system. You agree that ZestMoney is under no obligation to disclose the details of its risk management or its security procedures to You.
  12. All the queries related to discount/cashback will be resolved in 10-15 working days, post the campaign end date.