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Jupiter Spending rewards users for spending and for growing the community. Cashback is earned automatically on qualifying purchases, and referral rewards are paid when invited friends sign up and start spending.

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Cashback

Every qualifying card purchase and QR Pay merchant payment earns cashback. It is credited automatically to the Earn balance after the transaction settles. No activation is needed.

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Cashback Tiers

Your cashback rate depends on how many friends you have referred:
TierReferralsCashback RateMonthly Cap
Standard04%$100
Tier 2205%$200
Tier 3508%$500
Tier 410010%$1,000
Once you reach a tier, it does not expire. Your current tier and monthly progress are visible on the Earn screen in the app.

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Cashback Balance

Your cashback balance is held in JupUSD. You can withdraw any amount from your Earn balance to your card balance at any time. The conversion is instant with no fees. You can also withdraw cashback to other wallets.

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When Is Cashback Credited?

Cashback is credited after the transaction fully settles, not at the point of payment. While a transaction is pending, a “Processing” entry appears in the Earn tab. Once settlement is confirmed, it updates to earned and is added to the available balance.

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Referral Program

Invite friends to Jupiter Spending using your unique referral link. When they sign up, complete KYC, and start spending, you both earn rewards.

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How It Works

1

Share your referral link

Go to the Earn tab and tap “Refer to upgrade.” Copy your link or share it via WhatsApp, Telegram, SMS, or any other app.
2

Your friend signs up

Your friend opens the link, creates an account, and completes KYC verification.
3

You earn your reward

Once your friend spends at least 100ontheirJupiterCardwithin30daysofKYCapproval,youreceive100 on their Jupiter Card within 30 days of KYC approval, you receive 25.
4

Your friend earns their reward

Once your friend spends 1,000within30daysofcardactivation,theyreceive1,000 within 30 days of card activation, they receive 100.
The 30-day windows start from different dates: yours starts from your friend’s KYC approval, theirs starts from their card activation.

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Referral Rewards

You (referrer)Your friend
Reward$25$100
ConditionFriend spends $100 within 30 days of KYC approvalFriend spends $1,000 within 30 days of card activation
Rewards are credited to the Earn balance when the qualifying milestone is reached. There is no cap on the number of referrals. Referral rewards do not count toward the monthly cashback cap.

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What Happens If the Milestone Is Not Reached?

If your friend does not spend $100 within 30 days of KYC approval, the referral expires and you do not receive a reward. Your friend can still use Jupiter Spending normally.

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Eligible & Ineligible Transactions for Cashback & Rewards

Eligible Transactions:
  • Card purchases (online and in-store)
  • QR Pay merchant payments
Ineligible Transactions:
  • ATM withdrawals
  • P2P transfers
  • Refunded or reversed transactions
  • Fees and charges
  • Financial services
  • Money transfers
  • Gambling-related transactions
  • Government payments
Transactions falling under the above categories will not earn cashback or referral rewards. Please note that we reserve the right to update or amend the list of ineligible transactions at any time, in accordance with our Terms & Conditions.

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2x Launch Boost

This is a limited-time promotion. It may no longer be active when you read this.
During the Launch Boost period (7 days), all referral rewards are doubled:
StandardDuring Boost
Referrer reward$25$50
Friend reward$100$200
The boost applies to any referral link shared or signed up through during the 7-day window, even if the friend completes their spending milestone after the boost ends. A countdown banner is visible on the home screen and in the Earn tab while the boost is active.

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FAQ

In the Earn tab. You will find your total cashback earned, a transaction-by-transaction history, your current tier, and your monthly progress toward the cap. Each transaction in your spending history also shows the exact cashback earned for that purchase.
Yes. You can transfer any amount from your Earn balance to your card balance at any time. The withdrawal is instant with no fees.
You may have hit your monthly cap. Check the Earn screen to see your cap limit and how much you have earned so far this month. Referring more friends unlocks higher tiers with higher caps.
No. Self-referrals and duplicate account creation are detected and blocked automatically. Accounts flagged for this will have their rewards forfeited and may be suspended.
No. There is no cap on how many people you can refer or how much you can earn through the referral program.
For fees and limits on Card and QR Pay transactions, see the Fees & Limits page.