How the Kredivo referral program works
Kredivo pays both sides the same amount: 25,000 points if the referred friend opens a Basic account, or 250,000 points for a Premium account. Points trigger on the friend's first transaction after approval. Kredivo does not publish what a point is worth in rupiah anywhere on its own site.
What the program pays
What makes this program different
A tenfold reward difference driven entirely by which account tier the friend opens. The referrer cannot control that outcome directly, which turns the programme into an incentive to recruit better-qualified users rather than more of them.
Why it works
Tying the reward to account tier aligns the advocate's incentive with credit quality, not just volume.
Paying both sides identically makes the offer trivially easy to explain.
Triggering on first transaction rather than approval means Kredivo pays only for activated accounts.
What to copy
- Scale the reward by the quality of the account acquired, not just the fact of acquisition.
- Symmetric rewards are easier to share because the advocate never has to explain why they got more.
- Kredivo publishes no rupiah value for a point anywhere on its own domain, so the real value of these rewards cannot be stated. Kredivo's terms also explicitly ban posting referral codes to public forums or coupon sites — which means the widely circulated 15,000/125,000 figures both contradict the brand and violate its terms.
Kredivo referrals, answered
How much does Kredivo pay for a referral?
25,000 points for a Basic account or 250,000 points for a Premium account, paid identically to both sides. Kredivo does not publish what a point is worth in rupiah.
When does the Kredivo referral reward trigger?
On the referred friend's first transaction — either pay-in-30-days or an instalment plan — after their account is approved and activated.
Kredivo is not a ReferralFlo customer and this page is not affiliated with, endorsed by, or sponsored by Kredivo. All terms described here are taken from Kredivo’s own published materials as at 4 August 2026 and may have changed since. Trade marks are the property of their respective owners.
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ReferralFlo runs the mechanics on this page \u2014 tiered rewards, qualification rules, caps and payouts \u2014 without engineering time.