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 friend completes account setup & first deposit.". This helps keep ReferBenefits free!
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How to Claim Your Bonus
ℹ️ Outbound links on this page are affiliate links.Click the referral link to download the official Fi Money app from Google Play Store or Apple App Store.
Complete your quick digital Video KYC using your PAN and Aadhaar number.
Ensure referral code FI200WELCOME is verified during registration.
Fund your zero-balance account or Smart Deposit with ₹1,000 to unlock your ₹200 instant cashback.
✅ Pros
- Zero Balance Digital Account: Partnered with Federal Bank (RBI Regulated, DICGC Insured up to ₹5 Lakhs).
- Up to 7.5% p.a. Interest: Earn high-yield returns on Smart Deposits and Savings Pots.
- Zero Forex Markup Options: Save 3.5% on international spends with select Fi account plans.
- 100% Digital Onboarding: Fast Video KYC using PAN & Aadhaar number.
- Fi Coins Rewards: Earn rewards on spends redeemable for vouchers and cashback.
❌ Cons
- Signup cashback requires a minimum initial deposit of ₹1,000.
- Physical debit card has standard annual fee after year 1 on basic tier.
An Objective Review of Fi Money Zero Balance Account
Fi Money is one of India's leading neobanking platforms designed specifically for salaried professionals and digital natives. Partnered with Federal Bank, Fi Money provides a seamless 100% digital savings account with high interest rates on Smart Deposits (up to 7.5% p.a.), smart expense tracking, and instant cashback rewards.
Why Choose Fi Money?
- RBI Regulated Partnership: Your funds are held securely with Federal Bank and protected by DICGC deposit insurance up to ₹5,000,000.
- High-Yield Savings: Earn competitive interest rates on your savings without locking in long-term fixed deposits.
- Zero Forex Capability: Ideal for online international subscriptions and foreign spends.
Frequently Asked Questions
Is Fi Money a real RBI-regulated bank?
Fi Money is a digital banking platform operating in partnership with Federal Bank, a scheduled commercial bank regulated by the Reserve Bank of India (RBI). All deposits are held with Federal Bank and 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 or Fi Coins wallet within 24 to 48 hours of completing Video KYC and making your first deposit of ₹1,000.
⚠️ 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. 🙏