Refer and Earn

What is Refer and Earn?

Invite your friends to try SkyroCredit and earn cashback together, boss! When your friend successfully applies through your referral link and meets the promo rules, you can both earn a cashback reward.

Refer and Earn is SkyroCredit’s referral program. You and your friend can each get ₱100 SkyroCredit cashback for every successful referral.

Just share your personal referral link with a friend who's new to Skyro. Once they get approved for SkyroCredit and sign their credit line agreement, you both get the reward.

You can find the Terms & Conditions on the Share and earn page in the Skyro app, or read them here

Who can join?

Refer and Earn is available to eligible SkyroCredit customers.

If you don’t see it in your Skyro app yet, keep using SkyroCredit and paying on time. You may become eligible in the future.

For referred friends: Your friend must be new to Skyro, with no existing account or mobile number registered with Skyro.

Why join the Refer and Earn program?

Sharing is rewarding, boss! Invite your friends to SkyroCredit and earn cashback together.

• 💸 ₱100 for you, ₱100 for your friend for every successful SkyroCredit referral
• 📲 Help your friend get started with SkyroCredit
• 🎁 Earn up to ₱1,000 cashback from referrals monthly. Your earning limit resets on the 1st of every month
• 🔒 Share safely: your referral link doesn’t share your account details

How does Refer and Earn work?

It only takes 3 easy steps, boss!

1. Share your link
Copy your personal referral link from the Skyro app and send it to a friend.

2. Your friend applies
They apply for SkyroCredit using your referral link.

3. You both get ₱100
Once approved, your friend needs to sign their credit line agreement within 100 days from when your referral link was generated. After they sign it, you both get ₱100 cashback.

How do I refer a friend?

If Refer and Earn is available to you, here's how you can access it in the Skyro app:


➤ From your Profile: Go to Profile → Invite a friend

➤ From the Home page: Tap Gift box icon on top right → Share link

➤ From an In-app banner: Tap the Bring a Boss, Earn rewards banner

Then:

1. Tap Share link and send your personal referral link to a friend. You can also share your QR code for them to scan

2. Your friend uses your link or QR code to apply for SkyroCredit

How does my friend apply?

Your friend needs to start their SkyroCredit application using your referral link.

1. Open the referral link you shared

2. When the page opens, tap Get ₱100 gift → Apply now

3. Enter their mobile number and verify it with an OTP

4. Complete the SkyroCredit application

5. Once approved, they need to sign the SkyroCredit agreement within 100 days from when your referral link was generated. If completed on time, you both get ₱100 cashback.

When do I get my ₱100 cashback reward?

Once your friend gets approved for SkyroCredit and signs their credit line agreement, your ₱100 reward is added to your SkyroCredit cashback balance.

You’ll get a notification in the Skyro app when your reward is ready.

You can also find your reward in Transaction History, labeled as Cashback gift.

How do I use my ₱100 cashback reward?

Your ₱100 reward is added to your cashback balance. You can redeem it and use it on your next SkyroCredit purchase.

₱1 cashback = ₱1 off your next purchase

To check your cashback balance, tap the cashback icon at the top of the Skyro app.

How much can I earn for each successful SkyroCredit referral?

You get ₱100 cashback for every successful SkyroCredit referral.

How many friends can I refer?

You can refer as many friends as you like, boss! Earn cashback from up to 10 successful SkyroCredit referrals per month, for a maximum of ₱1,000 cashback per month.

What happens if I reach my ₱1,000 monthly limit for SkyroCredit referrals?

You can still invite more friends, but you won’t receive additional referral cashback until your limit resets on the 1st of the next month.

Your friends can still get their ₱100 cashback if they get approved for SkyroCredit and sign the agreement.

What if my friend is already a Skyro customer?

Friends who currently have or previously had SkyroCredit won’t qualify as a new referral, boss.

If your friend already has a SkyroCredit application or offer in progress, they’ll be directed to the Skyro app to continue.

What happens if my referral link expires?

If your referral link is no longer valid, you’ll get a notification in the Skyro app.

To get a new link and keep earning rewards, follow the steps in 5. How do I refer a friend?

Why didn't I get my referral reward?

If you haven’t received your reward yet, check that:

• Your friend applied using your referral link
• They got approved for SkyroCredit
• They signed their SkyroCredit agreement within 100 days from when your referral link was generated
• You haven’t reached your ₱1,000 monthly cashback limit from SkyroCredit referrals

If everything above is complete, check your Transaction History in the Skyro app. Your referral reward will appear as Cashback gift.

Still can’t find it? Contact Customer Care through the Skyro app chat. It’s the fastest way to get help. If you don’t have access to the app, you can also email care@skyro.ph, message Skyro Philippines on Facebook Messenger, or call:

• +63 919 1700 700
• +632 8540 3344