30+ Credit Card Refer and Earn In India 2026
What each card pays on approval, and how the referral gets there.
Credit card refer and earn means sharing a card with someone it suits and being paid a fixed commission once the bank approves and issues it. GroMo carries 30+ card brands available this way, and the commissions run from a token amount up to Rs 2,000 per approved card.* Unlike loans, cards pay a flat figure rather than a percentage, so the number of approvals matters more than the size of anything.
Key Takeaways
- Card commissions are flat amounts per approved card, so a small ticket and a large ticket pay exactly the same.
- The top of the shelf pays up to Rs 2,000 per approved card, which is the highest single payout in GroMo's entire catalogue.
- Nothing is paid on an application. Payment follows approval and issue, and some issuers wait for activation or a first spend.
- These are distribution programmes accessed through GroMo, not the banks' own consumer referral schemes.
- Rates are campaign-linked and move constantly. The figure on the product card at the moment you share is the one that applies.
Table of contents
- What Is Credit Card Refer and Earn?
- How Much Does One Approved Card Pay?
- Which Cards Pay the Most?
- How to Refer a Credit Card With GroMo
- Every Credit Card Brand on GroMo
- Secured Cards, the Category Most People Skip
- Who Should You Actually Refer?
- Mistakes That Cost You the Commission
What Is Credit Card Refer and Earn?
Credit card refer and earn is a distribution arrangement. You introduce someone to a card, the bank underwrites and approves as usual, and when the card is issued you receive a fixed commission.
GroMo is an Indian financial products distribution app, and the 30+ card brands below sit inside its catalogue alongside personal loans, savings accounts and demat accounts.
Two features separate this from ordinary app referral schemes. The payout is a real commission funded by the issuing bank rather than a signup bounty. And it is flat per card, which means the skill that pays is matching the right card to the right spender, not chasing bigger numbers.
Flat per approval. The match matters more than the amount.
Worth being precise about what these programmes are. They are not the banks' own customer referral offers. Each card below is available for distribution through the GroMo app, and the rate you see is what GroMo pays a partner on an approved and issued card. The same distinction applies to loan distribution, described in this guide to what a loan agent does.
How Much Does One Approved Card Pay?
A flat commission changes the arithmetic completely compared with loans.
| Cards approved in a month | At Rs 500 a card | At Rs 1,500 a card |
|---|---|---|
| 2 | Rs 1,000 | Rs 3,000 |
| 5 | Rs 2,500 | Rs 7,500 |
| 10 | Rs 5,000 | Rs 15,000 |
Please note. The table above is illustrative arithmetic, not a quoted rate from any bank. Actual commission depends on the card, the issuer and the campaign running that month, and every rate here comes from the app (GroMo product catalogue).
*Every rate on this page is indicative and campaign-linked, and these are GroMo distribution programmes rather than the banks' own referral offers. Full terms are in the disclaimer at the end of this article.
Because the payout is flat, approval rate is the number that decides your month. Ten applications from people who genuinely fit their card beat fifty from a broadcast list, and the highest paying cards usually carry the strictest eligibility.
Which Cards Pay the Most?
Every live card brand on GroMo, ranked by what it pays on an approved and issued card.
| Card | Earn up to* |
|---|---|
| SBI Credit Card | Rs 2,000 |
| AMEX Platinum Reserve Credit Card | Rs 1,500 |
| Indian Oil Axis Bank Credit Card | Rs 1,500 |
| Axis Flipkart Credit Card | Rs 1,499 |
| IndianOil RBL Bank XTRA Credit Card | Rs 1,399 |
| RBL Shoprite Credit Card | Rs 1,100 |
| Uni GoldX Credit Card | Rs 1,000 |
| YES Bank POP-CLUB Credit Card | Rs 1,000 |
| IDFC FIRST HPCL Credit Card | Rs 1,000 |
| Axis Bank Neo Credit Card | Rs 700 |
| Tata Neu HDFC Bank Credit Card | Rs 700 |
| IDFC WOW! BLACK Credit Card | Rs 500 |
| IDFC FIRST Bank Credit Card | Rs 500 |
| KIWI Rupay Credit Card | Rs 500 |
| Jupiter Rupay Credit Card | Rs 500 |
| IndusInd Bank Tiger Credit Card | Rs 500 |
| KIWI PNB Rupay Credit Card | Rs 500 |
| SBM Novio Credit Card | Rs 400 |
| LIC Axis Bank Credit Card | Rs 300 |
| Roarbank UPI Credit Card | Rs 250 |
| IndusInd Platinum RuPay Credit Card | Rs 200 |
| Scapia Federal Bank Credit Card | Rs 200 |
| Axis My Zone Rupay Credit Card | Rs 200 |
| Zagg Credit Card | Rs 200 |
| AU Small Finance Bank Credit Card | Rs 197 |
The top of the card rate card.
A further set of cards, including SimplyCLICK SBI, Yes Bank, HDFC Pixel Play, IDFC FIRST EARN, IDFC Hello Cashback and Axis Bank MY Zone Visa, sit on the shelf at token commissions today. Campaign rates on those move often, so check them in the app rather than writing them off permanently.
How to Refer a Credit Card With GroMo
The flow is identical for every card, which is why it is worth learning once.
- Install the GroMo app and finish sign-up.
- Open the Credit Card section and pick one card to start with.
- Read the product page: eligibility, documents, fees and the live commission on the card.
- Share your link with someone whose spending genuinely matches that card.
- Stay with them through the application, because drop-offs happen at OTP, income proof and video KYC.
- Get paid when the card is issued. Approval alone doesn't always trigger it, since some issuers wait for activation or a first spend.
Six steps, and the two in the middle belong to the bank.
Everything below repeats that flow with the card name filled in, because the differences that matter are eligibility and spending fit, not the mechanics.
Every Credit Card Brand on GroMo
SBI Credit Card Refer and Earn
The product. A mainstream card from one of India's largest issuers, with reward points on spends, dining and lifestyle offers, and wide acceptance.
Earn up to Rs 2,000* per approved card by referring as a GroMo Partner, the highest single payout in the whole catalogue.
How to refer SBI Credit Card with GroMo. Open GroMo, go to Credit Cards, select SBI Credit Card, check the eligibility on the product page, share your link with a salaried contact who has a clean credit history, and support them through the application.
Best for salaried first-time cardholders.
AMEX Platinum Reserve Credit Card Refer and Earn
The product. A premium card built around travel and lifestyle, with domestic and international lounge access, golf privileges and membership rewards.
Earn up to Rs 1,500* per approved card by referring as a GroMo Partner.
How to refer AMEX Platinum Reserve with GroMo. Select the card in GroMo, share your link with high-spending professionals who travel regularly, and be clear about the annual fee before they apply.
Best for frequent flyers and premium spenders.
Indian Oil Axis Bank Credit Card Refer and Earn
The product. A fuel co-branded card giving valueback on fuel spends, on the RuPay UPI network.
Earn up to Rs 1,500* per approved card by referring as a GroMo Partner.
How to refer Indian Oil Axis Bank with GroMo. Pick the card in GroMo, share your link with daily commuters and drivers who refuel weekly, and follow the application to issue.
Best for anyone with a daily commute.
The highest single payout on the platform, per approved card.
Axis Flipkart Credit Card Refer and Earn
The product. A shopping card with cashback on Flipkart, Myntra, Cleartrip and preferred partners, and unlimited cashback on other spends.
Earn up to Rs 1,499* per approved card by referring as a GroMo Partner.
How to refer Axis Flipkart with GroMo. Select the card, share your link with people who shop online every month, and help them finish the digital application.
Best for regular online shoppers.
IndianOil RBL Bank XTRA Credit Card Refer and Earn
The product. A fuel card with high valueback at IndianOil stations and fuel points on every spend there.
Earn up to Rs 1,399* per approved card by referring as a GroMo Partner.
How to refer IndianOil RBL XTRA with GroMo. Open the card in GroMo, share your link with drivers who fill at IndianOil pumps specifically, and track the application through.
Best for high-mileage IndianOil customers.
RBL Shoprite Credit Card Refer and Earn
The product. A lifetime free card focused on grocery cashback, with bonus reward points on the first swipe.
Earn up to Rs 1,100* per approved card by referring as a GroMo Partner.
How to refer RBL Shoprite with GroMo. Pick Shoprite in GroMo, share your link with families who do a big monthly grocery run, and stay with them to issue.
Best for household grocery spenders.
Uni GoldX Credit Card Refer and Earn
The product. A zero joining and annual fee card that returns cashback in gold on everyday spends.
Earn up to Rs 1,000* per approved card by referring as a GroMo Partner.
How to refer Uni GoldX with GroMo. Select Uni GoldX, share your link with people who like the idea of saving in gold, and follow the application.
Best for gold-minded savers.
YES Bank POP-CLUB Credit Card Refer and Earn
The product. A lifetime free card with welcome vouchers and POPcoins earned on linking and on UPI transactions.
Earn up to Rs 1,000* per approved card by referring as a GroMo Partner.
How to refer YES Bank POP-CLUB with GroMo. Open the card in GroMo, share your link with younger users who pay mostly over UPI, and help them link and activate.
Best for UPI-first spenders.
IDFC FIRST HPCL Credit Card Refer and Earn
The product. A fuel co-branded RuPay UPI card with welcome benefits and accelerated rewards on fuel, grocery, utilities and FASTag.
Earn up to Rs 1,000* per approved card by referring as a GroMo Partner.
How to refer IDFC FIRST HPCL with GroMo. Select the card, share your link with commuters who refuel at HPCL and pay utility bills by card, and follow it to issue.
Best for HPCL regulars.
Match the card to the spending before you share anything.
Axis Bank Neo Credit Card Refer and Earn
The product. A lifetime free card with vouchers at spend milestones and savings on utility bill payments.
Earn up to Rs 700* per approved card by referring as a GroMo Partner.
How to refer Axis Bank Neo with GroMo. Pick Neo in GroMo, share your link with someone who wants a no-fee starter card, and support the application.
Best for cautious first-time users.
Tata Neu HDFC Bank Credit Card Refer and Earn
The product. A rewards card returning NeuCoins on Tata Neu transactions and everyday spends across the Tata ecosystem.
Earn up to Rs 700* per approved card by referring as a GroMo Partner.
How to refer Tata Neu HDFC with GroMo. Select the card, share your link with people who already shop across Tata brands, and follow the application to issue.
Best for Tata Neu app users.
IDFC WOW! BLACK Credit Card Refer and Earn
The product. A secured card issued against a fixed deposit, with assured approval, zero forex markup and reward points on regular spends.
Earn up to Rs 500* per approved card by referring as a GroMo Partner.
How to refer IDFC WOW! BLACK with GroMo. Open the card in GroMo, share your link with someone who has been declined elsewhere or has no credit history, and explain that the card sits against an FD.
Best for thin credit files.
IDFC FIRST Bank Credit Card Refer and Earn
The product. A lifetime free card with accelerated reward points on online and offline spends.
Earn up to Rs 500* per approved card by referring as a GroMo Partner.
How to refer IDFC FIRST Bank with GroMo. Select the card, share your link with salaried users who want no annual fee, and stay with the application.
Best for no-fee seekers.
Match the spending to the card, then share.
KIWI Rupay Credit Card Refer and Earn
The product. A virtual RuPay credit card used through any UPI app, lifetime free with instant activation.
Earn up to Rs 500* per approved card by referring as a GroMo Partner.
How to refer KIWI Rupay with GroMo. Pick KIWI in GroMo, share your link with people who scan and pay for everything, and walk them through onboarding.
Best for scan-and-pay users.
Jupiter Rupay Credit Card Refer and Earn
The product. A UPI-linked credit card with cashback on major shopping and travel platforms and on general spends.
Earn up to Rs 500* per approved card by referring as a GroMo Partner.
How to refer Jupiter Rupay with GroMo. Select Jupiter, share your link with app-native users who shop online, and follow the application.
Best for digital-first shoppers.
IndusInd Bank Tiger Credit Card Refer and Earn
The product. A zero fee card with complimentary domestic and international lounge access and accelerated reward points.
Earn up to Rs 500* per approved card by referring as a GroMo Partner.
How to refer IndusInd Tiger with GroMo. Open the card in GroMo, share your link with occasional travellers who want lounge access without a fee, and support the application.
Best for budget-conscious travellers.
KIWI PNB Rupay Credit Card Refer and Earn
The product. The PNB variant of the KIWI virtual RuPay card, lifetime free and usable through any UPI app.
Earn up to Rs 500* per approved card by referring as a GroMo Partner.
How to refer KIWI PNB with GroMo. Pick the PNB variant in GroMo, share your link with PNB customers or UPI-heavy users, and help them activate.
Best for PNB account holders.
SBM Novio Credit Card Refer and Earn
The product. A secured RuPay card issued against a fixed deposit with guaranteed approval, aimed at building a credit score.
Earn up to Rs 400* per approved card by referring as a GroMo Partner.
How to refer SBM Novio with GroMo. Select SBM Novio in GroMo and share the link from inside the app, since this product's own web link carries partner tracking that should never be shared directly.
Best for credit score builders.
LIC Axis Bank Credit Card Refer and Earn
The product. A lifetime free card with reward points on LIC premium payments and lounge access on the higher variant.
Earn up to Rs 300* per approved card by referring as a GroMo Partner.
How to refer LIC Axis Bank with GroMo. Open the card in GroMo, share your link with LIC policyholders who pay premiums annually, and follow the application.
Best for LIC policyholders.
Roarbank UPI Credit Card Refer and Earn
The product. A combined UPI credit card and savings account, lifetime free, with cashback on chosen categories and interest on the account balance.
Earn up to Rs 250* per approved card by referring as a GroMo Partner.
How to refer Roarbank with GroMo. Select Roarbank, share your link with people who want a card and account together, and support both steps of onboarding.
Best for people opening a new account anyway.
The biggest commission is worth nothing without an approval.
IndusInd Platinum RuPay Credit Card Refer and Earn
The product. A rewards card with accelerated points on weekend spends, complimentary movie tickets and annual spend bonuses.
Earn up to Rs 200* per approved card by referring as a GroMo Partner.
How to refer IndusInd Platinum with GroMo. Pick the card in GroMo, share your link with weekend spenders and movie regulars, and follow the application.
Best for weekend spenders.
Scapia Federal Bank Credit Card Refer and Earn
The product. A travel card with zero joining and annual fees, plus airport shopping and dining benefits at qualifying spend levels.
Earn up to Rs 200* per approved card by referring as a GroMo Partner.
How to refer Scapia with GroMo. Open Scapia in GroMo, share your link with young travellers who fly a few times a year, and stay with the application.
Best for young frequent travellers.
Axis My Zone Rupay Credit Card Refer and Earn
The product. A lifetime free card built around entertainment, movie and dining benefits on partner platforms.
Earn up to Rs 200* per approved card by referring as a GroMo Partner.
How to refer Axis My Zone with GroMo. Select the card, share your link with people who eat out and watch films regularly, and support the application.
Best for dining and movie regulars.
Zagg Credit Card Refer and Earn
The product. A lifetime free UPI credit card returning coins on every UPI spend, with lounge access and a high credit limit on RuPay.
Earn up to Rs 200* per approved card by referring as a GroMo Partner.
How to refer Zagg with GroMo. Pick Zagg in GroMo, share your link with UPI-heavy users who want a higher limit, and follow through to issue.
Best for heavy UPI spenders.
AU Small Finance Bank Credit Card Refer and Earn
The product. A card range with lifetime free variants, earning cashback and reward points across shopping, fuel, travel and dining.
Earn up to Rs 197* per approved card by referring as a GroMo Partner.
How to refer AU Small Finance Bank with GroMo. Select the card in GroMo, share your link with customers who prefer a small finance bank, and support the application.
Best for AU Bank customers.
Secured cards turn a rejection into a second conversation.
Secured Cards, the Category Most People Skip
Secured cards are issued against a fixed deposit, so approval depends on the deposit rather than on a credit score. GroMo carries several, including IDFC WOW! BLACK, SBM Novio, Axis Bank Indian Oil Visa, IDFC FIRST EARN, IDFC Hello Cashback and Axis Bank MY Zone Visa.
Secured cards matter for one reason. Every applicant declined for a regular card is a secured card customer, and a year of clean repayment usually makes them eligible for the regular card afterwards. That turns a dead conversation into two commissions over time, and it is the single most under-used move in card distribution. There is more on that path in this guide to credit cards for a low CIBIL score.
Who Should You Actually Refer?
Matching the card to the spending is what separates a paid case from a wasted application.
Fuel every week. Indian Oil Axis Bank, IndianOil RBL XTRA and IDFC FIRST HPCL are built for commuters and drivers.
Online shopping monthly. Axis Flipkart and Jupiter Rupay pay back on exactly the platforms these customers already use.
Groceries and household spending. RBL Shoprite is designed around the monthly grocery run.
Travel a few times a year. Scapia, IndusInd Tiger and AMEX Platinum Reserve suit this group, in ascending order of fee and spending.
UPI for everything. KIWI, Zagg, Jupiter and YES Bank POP-CLUB turn scan-and-pay into rewards.
No credit history, or a past rejection. Secured cards against a fixed deposit, every time.
A customer declined for one card is not a lost cause, since another issuer may accept the same profile. Sending the same person to five banks at once, though, creates a burst of hard enquiries and lowers the score everything depends on. The role in full is set out in this guide to what a credit card agent does.
Mistakes That Cost You the Commission
- Referring on commission instead of fit. The Rs 2,000 card pays nothing when the applicant doesn't qualify.
- Promising approval. Only the bank approves. Never you.
- Hiding the annual fee. It appears on the first statement, and the customer remembers who stayed quiet.
- Collecting money from the applicant. The bank pays you. A request for a file charge is a warning sign.
- Handling someone's OTP, PIN or card details. The applicant completes their own journey, always.
- Stopping at approval. Some issuers pay only after issue or first spend, so follow the card to the customer's hand.
Every one of these is avoidable in the first week.
Frequently Asked Questions
What is credit card refer and earn?
Credit card refer and earn is a distribution arrangement where you introduce someone to a credit card and earn a fixed commission once the bank approves and issues it. The bank decides approval, the limit and the interest rate. You find the customer and support the application.
How much commission does a credit card referral pay?
On GroMo the rates run from a token amount up to Rs 2,000 per approved card depending on the brand. Rates are campaign-linked and change, so check the product card before quoting anything to anyone.
When do I get paid for a credit card referral?
After approval and issue, not on application. Some issuers confirm the commission only once the card is activated or first used.
Do I need my own credit card to refer one?
No. Holding a card is not a requirement for recommending one. What matters is understanding the fees, rewards and eligibility well enough to explain them honestly.
What happens if my customer is rejected?
Nothing is deducted and nothing is owed. Offer a card that fits better, or a secured card against a fixed deposit if the rejection was down to a thin credit file.
Are these the banks' own referral programmes?
No. Every card listed here is available for distribution through GroMo, and the rate quoted is what GroMo pays its partners on an approved and issued card, not what the bank offers directly to its own customers.
Conclusion
Card referral pays a flat amount, and that single fact should shape how you work. Chasing the largest commission usually means chasing the strictest eligibility, and an application that gets declined pays exactly nothing.
Learn two cards properly rather than twenty superficially. Take one fuel card for commuters and one no-fee card for first-timers, add a secured card for the rejections, and let real customer questions decide what you learn next. The partner journey behind all of this is set out in this guide to becoming a GroMo Partner.
Disclaimer
These are not the official refer and earn programmes of the banks or brands named. Every card listed in this article is available for distribution through the GroMo app, and the rates quoted are what GroMo pays a partner on an approved and issued card. They are not offers made by the issuers directly to their own customers, and the brand names are used only to identify the products available on the GroMo platform.
Rates change with current offers. Every figure is a maximum rather than a flat guaranteed amount, is campaign-linked, and can be revised without notice (rates read from the GroMo product catalogue). Data in this article may differ from what is live in the app today. Always check the rate on the product card at the moment you share it, because that is the figure that applies to your case.
Nothing here is a guarantee of income. Commission is paid on approval and issue only, and approval, credit limit, fees and interest rates are decided entirely by the issuing bank. An application that fails KYC or is declined pays nothing.
Card features, reward rates and fees described here are set by the issuers and change without notice. Everything above is general information, not financial advice. Never collect any fee from an applicant, and never handle their OTP, PIN or card credentials. Income earned through referrals is taxable and should be declared.
