ReferFi Money Referral Code & Sign Up Bonus
Maximize your rewards when creating a new account.
Your Sign-Up Reward
FI200WELCOMEBy using our link/code, we may earn a commission: "Earn ₹200 cashback when your invited friend completes account setup & first ₹1,000 deposit.". This helps keep ReferBenefits free!
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Key Highlights & Transparent Terms
At a GlanceEditorial Verdict
“Modern digital banking with Federal Bank featuring high-yield Smart Deposits and zero forex fees.”
Fee & Terms Schedule
Reward Unlock Roadmap
Crucial Terms to Keep in Mind
- Banking Partner Disclosure: Fi Money is a financial technology platform (TSP). All banking accounts and card services are hosted by The Federal Bank Limited, an RBI-scheduled commercial bank.
- Deposit Milestone Requirement: Account creation alone does not release the ₹200 reward. You must fund ₹1,000+ into savings or Smart Deposits (funds remain withdrawable).
Real-World Value Simulation: Zero-Balance Smart Digital Banking
How to Claim Your Bonus
ℹ️ Outbound links on this page are affiliate links.Download the official Fi Money app from Google Play Store or Apple App Store.
Enter your mobile number and ensure referral code is applied during registration.
Complete your quick digital Video KYC using your PAN and Aadhaar number.
Fund your zero-balance account or Smart Deposit with ₹1,000 or more.
Your ₹200 instant signup cashback is credited directly into your Fi account balance within 24 to 48 hours.
✅ Pros
- Zero Balance Digital Account: Hosted with The Federal Bank Limited (RBI Regulated, DICGC Insured up to ₹5 Lakhs).
- Up to 7.5% p.a. Interest: Earn high-yield compounding returns on Smart Deposits and customized Savings Pots.
- Zero Forex Markup Options: Save 3.5% foreign transaction fees on international spends with select Fi account plans.
- 100% Digital 3-Minute Onboarding: Fast Video KYC using PAN & Aadhaar number with instant virtual VISA Platinum debit card.
- Fi Coins Rewards Engine: Earn rewards on everyday spends, redeemable for shopping vouchers, flight discounts, and cash.
❌ Cons
- Signup cashback requires a minimum initial deposit of ₹1,000 into savings or Smart Deposits.
- Physical debit card has standard annual fee after year 1 on the entry-tier plan (waived on salary accounts).
- Advisory and physical branch services are provided online via chat/call, with Federal Bank branches handling offline escalations.
Fi Money Review 2026: Modern Banking with 7.5% Interest & ₹200 Sign-Up Bonus
Fi Money is one of India's most popular financial technology apps, offering smart money management for salaried professionals and digital creators. Developed in partnership with Federal Bank, Fi Money combines intuitive budgeting tools with robust institutional safety.
Why Choose Fi Money?
- Federal Bank Partnership & Safety: Your funds are held securely with The Federal Bank Limited and protected by RBI's DICGC deposit insurance up to ₹5,00,000 (₹5 Lakhs) per depositor.
- High-Yield Smart Deposits: Earn up to 7.5% p.a. interest on flexible Smart Deposits without locking yourself into rigid multi-year fixed deposits.
- Automated FIT Rules: Set automated saving triggers (e.g. automatically save ₹50 every time your favorite sports team wins or when you order food).
- Zero Forex International Card: Avoid costly 3.5% foreign markups on international travel and cross-border subscriptions.
How to Claim Your ₹200 Bonus:
Download the Fi app, enter invite code FI200WELCOME, complete the 3-minute Video KYC, and deposit ₹1,000. Your ₹200 cashback will be added to your account within 24-48 hours.
Support Our Independent Verification Research
If our in-depth fee comparisons and step-by-step guides helped you choose the right offer, kindly consider using our verified referral links/codes when signing up. It costs you absolutely nothing (you still receive the maximum verified sign-up bonus!), while directly supporting our editorial team to continue researching, testing, and bringing you genuine, high-paying referral benefits.
Frequently Asked Questions
Is Fi Money a licensed RBI-regulated bank?
Fi Money (operated by Epifi Technologies Pvt. Ltd.) is a digital financial technology platform acting as a Technology Service Provider (TSP/LSP). All banking services, savings accounts, fixed deposits, and debit cards are provided exclusively by The Federal Bank Limited, an RBI-licensed Scheduled Commercial Bank. Deposits are insured up to ₹5 Lakhs under DICGC.
Is there any minimum balance penalty on Fi Money?
No, Fi Money offers a zero-balance digital savings account with no monthly maintenance fees or non-maintenance penalty charges.
When will I receive my ₹200 signup cashback?
The ₹200 cashback is credited directly to your Fi Money account balance within 24 to 48 hours of completing Video KYC and making your first deposit of ₹1,000.
Can I use the Fi Visa Platinum debit card internationally?
Yes, the Fi Visa Platinum debit card works seamlessly across international ATMs, POS terminals, and online merchants, with 0% forex markup available on Infinite and Salary plan tiers.
⚠️ Disclaimer
Please independently verify all details and terms of service of the third-party apps or platforms before participating. ReferBenefits is not responsible for any direct or indirect financial outcomes, profits, or losses.
All referral links and promo codes are provided for informational and promotional purposes only. We aim to keep listings accurate, but we do not guarantee the availability or validity of third-party offers.
Engaging with external services and using these codes is done entirely at your own discretion and risk.
Please make financial decisions responsibly. 🙏