refer & earn - terms & conditions*

  1. For any and each new user referred by an existing Zywa user (referrer), the referrer will accrue a certain referral incentive on their Zywa card account.
  2. For any new user who registers on the Zywa app as a referee (using a referral code shared with them by a friend), a certain referral incentive will be accrued to their Zywa card account.
  3. Any amount of referral incentive earned on the Zywa card by referral of a new user will be available to the referring Zywa user only once the friend they referred has ordered and activated their card using the Zywa app.
  4. The referee must enter the referral code shared by the referrer in the Zywa app upon signing up in order to qualify for this referral program.
  5. There are three level in the referral program as follows (valid only until 31st December 2023):
    • Z-Pro (Level 1): This is the default/entry level. If a user invites up to 4 friends at this level, he/she will earn 10 AED per friend + 1% cashback whenever each of the friends spends anywhere.
    • Z-Champ (Level 2): If you invite 5 friends or more at this level, you will earn 12 AED per friend + 3% whenever each of your friends spends anywhere.
    • Z-Legend (Level 3): If you invite 10 friends or more at this level, you will earn 15 AED per friend + 5% whenever each of your friends spends anywhere.
  6. Each referred user must spend at least 100 AED in order for the referrer to start earning any cashback from the referred user’s spending
  7. Each referred user will earn 10 AED in their Zywa wallet upon activating their Zywa card.
  8. The amount of money earned through friend cashbacks is limited to a maximum of 1000 AED per Zywa user.
  9. Any money earned through this referral program by a Zywa user cannot be withdrawn from any ATM and must be used in spend transactions, including spending online or in stores inside or outside the UAE.
  10. This referral program is only available to active Zywa users who have ordered and activated their cards.
  11. This referral program is only valid until 1st May 2024
  12. Zywa reserves the right to exclude any specific merchant and/or merchant category from the cashback offer.
  13. Zywa reserves the right to conduct a thorough investigation in cases where there may seem to be any discrepancy in conducting identity verification or spend verification of any of the registered users to ensure a fair referral reward guaranteed to all its unique, registered users.
  14. Zywa reserves the right to amend the terms and conditions of this referral program at any time and for any reason at its own discretion.
*You agree that Zywa may amend the Agreement or any part of it from time to time, and in Zywa’s sole discretion. You agree and undertake to review the terms and conditions each time you visit our Platform and/or prior to each use of the Services. If you do not agree to the Agreement, as updated from time to time, you undertake to cease using our Platform and/or Services immediately.