How the Circles.Life referral program works
Circles.Life pays the friend more than the referrer: up to $50 against up to $25. Each side's value splits between bill waivers, $5 a month for six months for the friend and three months for the referrer, and cashback bonuses that only exist after transactions on Circles Zerofy, the telco's shopping product.
What the program pays
What makes this program different
A referral reward that cross-sells a second product. Roughly half of each side's headline value is cashback that only materialises after Circles Zerofy transactions, so the telco programme doubles as an acquisition funnel for the shopping product. Two products, one incentive. The waivers themselves are soft-capped by your own bill: they can cover it entirely, but excess value evaporates rather than paying out.
Why it works
Weighting value toward the friend prices the offer where the conversion decision is made.
Cashback contingent on Zerofy activity makes the referral programme fund a second product's activation numbers.
Capping waivers at the bill converts an unbounded liability into at most a free phone plan.
A referral-exclusive plan isolates referred customers onto pricing the telco controls end to end.
What to copy
- If you have a second product to grow, make part of the referral reward conditional on trying it.
- Cap recurring waivers at the customer's own spend so stacked rewards cannot go negative.
- Put an activation deadline on the friend's side; an unactivated SIM is not a customer.
- Circles.Life writes plain dollar signs throughout; amounts are in Singapore dollars in context. The headline 'up to' totals depend on completing the Zerofy cashback steps, so a referral that stops at activation is worth less than the advertised maximum to both sides.
Circles.Life referrals, answered
What do you get for referring a friend to Circles.Life?
Up to $25 per friend: a $5 bill waiver for three months, plus $2 and $8 cashback bonuses that require Circles Zerofy transactions. Waivers stack across multiple friends but never exceed your own bill.
What does the referred friend get from Circles.Life?
Up to $50: a $5 monthly waiver for six months on the referral-exclusive plan, plus $2 and $18 cashback bonuses after their first and second Circles Zerofy transactions.
When does a Circles.Life referral count?
When the friend signs up with the code or link, takes the referral-exclusive plan, and activates it within 14 days.
Circles.Life is not a ReferralFlo customer and this page is not affiliated with, endorsed by, or sponsored by Circles.Life. All terms described here are taken from Circles.Life’s own published materials as at 8 September 2026 and may have changed since. Trade marks are the property of their respective owners.
Want a program like Circles.Life’s?
ReferralFlo runs the mechanics on this page — tiered rewards, qualification rules, caps and payouts — without engineering time.