Navi Referral Code 2026

Verified

UPI

iOSAndroid

Last verified 27 August 2026

Navi is a fintech app that offers UPI payments, personal loans, mutual funds, insurance, and other financial services in a single platform. Its UPI service enables fast and secure money transfers, merchant payments, and QR code transactions while offering cashback rewards on eligible payments. The app is designed to provide a simple and seamless digital finance experience.

🎁 ₹25 First Payment Cashback

How to claim

No code neededJust use the link below to get this deal

Get Navi deal →

Get ₹25 cashback after your first payment within the referral offer period shown at signup.

Key Features

Transfer money instantly using Navi UPI.
Scan and pay at physical and digital stores.
Pay utility bills and recharge through the app.
Use Navi UPI Lite for supported PIN-free transactions.
Track payment history inside the Navi app.
Access rewards and referral offers when campaigns are available.

How to Use

1
Download and install the official Navi app from Google Play or the App Store.
2
Register using your mobile number and complete OTP verification.
3
Add and link an eligible bank account to Navi UPI.
4
Complete the required UPI setup and create or enter your UPI PIN where prompted.
5
Complete your first eligible UPI payment within the active referral campaign period.
6
Check the reward or referral section in the app for the ₹25 cashback status.
7
Verify the exact referral eligibility and cashback timeline shown during signup.

Terms & Conditions

1. The app has not published specific referral terms; the following are standard conditions that typically apply. The user generally needs to be a new or eligible Navi customer, complete registration and UPI setup, and make the qualifying payment within the campaign period displayed in the app. Cashback eligibility, payment type, reward timing and campaign availability may change, and Navi may apply additional conditions shown during signup or in the active referral screen. The supplied offer states that the first payment should be completed within seven days, but this specific condition was not independently confirmed from a public Navi referral terms page.

Frequently Asked Questions

How do I get ₹25 cashback on my first Navi UPI payment?

The supplied offer says a new user can receive ₹25 cashback after making their first eligible Navi UPI payment. The exact qualifying transaction, campaign period and cashback credit timeline should be checked inside the Navi app during signup, because Navi has not published matching referral terms that confirm every condition of this specific offer.

Do I need to make my first Navi payment within a certain number of days?

The referral image supplied for this listing states that the friend needs to make one UPI payment within seven days of joining. However, this condition could not be independently confirmed on Navi's public referral terms, so users should check the active in-app campaign before relying on the seven-day deadline.

How do I set up Navi UPI for the first time?

Navi's official UPI page says users start by downloading the app, verifying their phone number with an OTP and adding a bank account. UPI setup may then require additional bank verification and PIN setup. Your registered mobile number should be compatible with the bank account you intend to link.

Can I scan and pay at shops using Navi UPI?

Yes. Navi states that its UPI service can be used to scan and pay at physical and digital stores, as well as to transfer money and make other supported payments. Merchant acceptance depends on the UPI payment network and the specific QR code being used.

Does Navi offer UPI rewards on every payment?

Navi's official UPI page says users have a chance to win rewards when making payments, but it does not guarantee a fixed reward on every transaction. Reward values and eligibility can vary by campaign, so users should treat the ₹25 first-payment offer as campaign-specific rather than a permanent benefit.

What is Navi UPI Lite and does it require a PIN?

Navi describes its UPI Lite feature as allowing one-click transactions without requiring a PIN for supported payments. Availability and transaction limits can depend on the underlying UPI Lite rules and the user's setup, so the exact limits applicable to your account should be checked inside the Navi app.