How it works
Plu's referral programme is straightforward. Share your unique referral link. When someone you refer signs up and upgrades to a paid plan, you earn a percentage of their plan value — automatically, with no minimum threshold and no ceiling on how much you can earn.
Every time someone you refer upgrades to the Plu Basic plan ($50/year), you earn $5 in account credit. Your friend receives $5 as a spending credit on their Plu card. Both rewards are applied automatically on plan confirmation.
Every time someone you refer upgrades to the Plu Premium plan ($100/year), you earn $10 in account credit. Your friend receives $10 as a spending credit on their card. The programme is two-sided — both sides benefit every time.
There is no limit on how many people you can refer and no expiry on your referral link. Refer one person or one thousand — every qualifying upgrade earns the same rate.
Your referral link works in every country Plu operates — Nigeria, the United States, Ghana, Kenya, Canada, the Philippines, and every other market. One link, one programme, everywhere.
Why this is different from cashback
Most card rewards programmes pay you a small percentage back on every transaction you make — typically 1–3%, funded by a combination of interchange fees and VC subsidy. That model has a ceiling: it pays you based on what you spend, and when the funding runs out or the terms change, the rate drops.
Plu's referral programme pays you based on who you bring in, not what you spend. There is no subsidy on a timer. There is no token with an uncertain value. When someone you refer upgrades their plan, Plu earns from that plan — and shares a portion of it with you directly. The economics are tied to real revenue, not promotional spend.
10% on Basic is not a promotional rate. It is the programme. If you bring in 20 friends who each upgrade to Basic, you earn $100. If you bring in 200, you earn $1,000. The rate is the same whether you refer your first friend or your hundredth.
This is also why the programme works globally. There is no currency conversion complexity, no regional rate variation, no country-specific terms. The referral pays the same whether your friend is in Lagos, Manila, Toronto, or New York.
Who earns the most from this
People who talk about money across borders.If your audience — followers, community, colleagues, friends — includes people who send money internationally, pay for global subscriptions, hold stablecoins, or work with clients in multiple countries, the Plu referral programme pays on natural conversation. You are not selling a product to people who don't need it. You are telling people with a genuine problem about a solution you already use.
Content creators and community builders.If you create content about personal finance, crypto, digital nomad life, OFW finance, freelancing, or tech — your audience already has the problem Plu solves. A single piece of content with your referral link can earn for months.
Professionals who work with internationally mobile people.Accountants, financial advisors, migration agents, recruitment consultants, and HR teams who work with people relocating internationally are referring a product that directly addresses their clients' day-one financial friction. The referral is a service, not a sales pitch.
Existing Plu users who want to earn from the product they already use.No content required. Share your link with one person you know who would benefit from a zero-fee global card. If they upgrade, you earn. That is the entire mechanism.
FAQs about the Plu referral programme
How much do I earn for referring someone to Plu?
You earn $5 in account credit when someone you refer upgrades to the Plu Basic plan ($50/year), and $10 when they upgrade to Premium ($100/year). Your friend also receives the same amount as a spending credit on their card. There is no cap on how many people you can refer.
Does the person I refer also get a reward?
Yes. Plu's referral programme is two-sided. When your friend upgrades to Basic, they receive $5 as a spending credit on their Plu card. When they upgrade to Premium, they receive $10. Both rewards are applied automatically on plan confirmation.
Does the Plu referral link work in all countries?
Yes. Your referral link works in every country where Plu is available, including Nigeria, the United States, Ghana, Kenya, Canada, and the Philippines. One link works globally with no regional restrictions.
Is there a limit on how many people I can refer to Plu?
No. There is no cap on referrals and no cap on total earnings. The programme is open-ended with no expiry on your referral link.
When does my Plu referral reward get paid?
Your referral reward is credited to your Plu account when the person you referred upgrades to a paid plan and their payment is confirmed. Your friend's spending credit is applied to their card at the same time.
Can I refer someone who starts on the free Plu plan?
Yes. Your referral is tracked from the moment they sign up using your link. If they upgrade to Basic or Premium at any point after that, both rewards trigger automatically on confirmation.