KreditBee Referral Code

KreditBee pays ₹75 per successful referral — the smallest and simplest structure in this batch. This page also, until now, told readers they were referring friends to a jewellery retailer.

KreditBee offers personal loans through an app to salaried and self-employed borrowers in India. Its referral pays ₹75 per successful referral.

A correction first. As exported, this page's search description read "Earn ₹75 for every friend you refer to Candere" — Candere being an unrelated jewellery retailer. That is the eleventh content defect found in this export, joining a Qureka page carrying RummyBo's text, a Sixer11 page advertising Tata Capital loans, a Sportasy record describing a venue-booking service, and Seekho described as a language app. We record these rather than quietly overwriting them, because a page that names the wrong company is a different order of problem from a stale figure — a reader can discount an out-of-date number but cannot correct for a description of somebody else.

On the offer itself: ₹75 flat is the simplest structure in this batch, and simplicity is a genuine merit here. Compare it with True Balance's 10% of a referred user's ongoing loan activity and CASHe's ₹100 to ₹3,000 tiered by loan size. Both of those pay you more when your friend borrows more. A flat ₹75 does not: once the referral qualifies, the amount is fixed regardless of how large the loan is or how often it is repeated. In a lending referral, a flat fee is the structure with the least conflict of interest, and that is worth saying plainly in a category where the alternative is being paid a share of someone's debt.

It is still a payment for introducing someone to borrowing, and it should still be disclosed when you share it. But there is a real difference between "I get ₹75 if you sign up" and "I get a percentage of whatever you borrow", and only one of those gives you a reason to encourage a larger loan.

What the borrower is owed — the same protections that run through this cluster, and the reason to read this page rather than a code:

A Key Fact Statement before disbursal, digitally signed and automatically delivered, per the KFS Circular of 15 April 2024, disclosing the all-inclusive Annual Percentage Rate, sanctioned amount, tenor, monthly repayment and applicable penal charges.

A cooling-off period of at least one day for very short loans and three days for tenors longer than a week, in which the loan may be exited by paying only proportionate interest and the disclosed processing fee.

Direct routing — money disbursed straight to the borrower's own bank account, repayments straight back to the regulated lender, with no pass-through via a Lending Service Provider or third-party account except in narrow cases such as recovery of delinquent loans.

And responsibility that cannot be outsourced — regulated entities must conduct enhanced due diligence on their service providers and remain accountable for borrower outcomes regardless of which app handled the interaction.

If you are comparing app lenders, compare them on APR from the Key Fact Statement. Not on the interest rate, not on the processing fee in rupees, and certainly not on the referral bonus.