Referral earnings are paid only on a friend's first recharge. Earnings unlock 30 days after that recharge, need a minimum of ₹1000 and approved KYC, and eligible income from the 1st to the last day of a month is settled by the 10th of the following month. Wallet credit itself remains non-refundable and cannot be transferred to a bank account. Read the full rules in the Privacy & Terms.