Refer Friends & Earn Rewards
Share the joy of LuLu Money with your friends and family. When your friend completes their first transfer, you both earn rewards. The more you refer, the more you earn!
How to Earn Rewards
Send Your Referral Link
Open 'Refer & Earn' in the LuLu Money App and share the referral link via WhatsApp, email, or SMS.
Get Started with LuLu Money
Ask your friend to download LuLu Money and register via your referral link.
Earn Your Reward
Once your friend completes their first successful transfer, you both get 180 points worth 1.5 KWD.
Refer. Earn. Enjoy.
Refer friends, earn rewards, and enjoy more with every successful transfer.
Terms and Conditions
By registering and participating in this Referral Program, you accept that you have read and agreed to these T&Cs. Click here for T&Cs
1. Definitions:
- 1.1 Referrer - An existing user of the LuLu Money Kuwait App who refers a new user.
- 1.2 Referee - A new user who is being referred to by an existing user.
- 1.3 Reward Points - Points earned by users upon completing eligible transactions through the LuLu Money App, which can be converted into LuLu Happiness Points upon reaching 240 points (worth 2 KWD).
- 1.4 LuLu Happiness Points - Points converted from Reward Points that can be redeemed for purchases at any LuLu Retail Store.
- 1.5 Redemption - The process of converting accumulated Reward Points (in multiples of 240 points) into LuLu Happiness Points for use at any LuLu Retail Stores.
- 1.6 Promotion - The LuLu Money Rewards loyalty program as described in these Terms & Conditions.
2. Eligibility
- 2.1 To earn referral rewards, the Referee must successfully complete their first transaction. Upon completion, both the Referrer and Referee will be eligible to receive their respective Reward Points.
- 2.2 Possesses the legal authority to agree to the Referral Program T&Cs
- 2.3 Provides valid and accurate personal information when enrolling in the Referral Program.
- 2.4 The Program is open to all registered LuLu Money customers in Kuwait with an active LuLu Money Account.
- 2.5 The Program applies only to transactions conducted via the LuLu Money Kuwait Mobile Application.
- 2.6 LuLu Exchange reserves the right at any time to modify, suspend, or terminate eligibility at its discretion.
- 2.7 Customers shall provide explicit consent before enrolling in the Program, acknowledging that they have read and understood the Terms & Conditions in full.
3. Promotion Details
- 3.1 An existing user (Referrer) must refer the app to a new user (Referee).
- 3.2 The Referrer earns 180 points once their Referee completes their first successful transaction.
- 3.3 The Referee also earns 180 points upon completing their first successful transaction.
- 3.4 There is no limit on the number of Referees a customer can refer to or the Reward Points that can be earned through successful referrals.
4. Points Earning Rules
- 4.1 New Customers: A new customer completing their first transaction will receive 180 Points (which is worth 1.5 KWD).
- 4.2 Referral Bonus: An existing LuLu Money customer ("Referrer") will receive 180 Points (worth 1.5 KWD) when the Referrer successfully refers a new customer.
5. Points Conversion & Redemption
- 5.1 Conversion Rate: 500 Fils (0.5 KWD) = 60 Points.
- 5.2 Redemption:
- Reward Points can be converted into LuLu Happiness Points once you've reached 240 points worth 2 KWD.
- Redeem your points to shop for anything you need at any LuLu Retail Store in Kuwait.
6. General Conditions
- 6.1 Points are non-transferable, have no cash value, and cannot be exchanged for cash outside the redemption methods specified.
- 6.2 Points may only be redeemed by the customer who earned them and are tied to their registered LuLu Money account.
- 6.3 If the points are redeemed, they cannot be used again.
- 6.4 Points are valid for 12 months from the date of issuance, after which they will expire automatically.
- 6.5 The earning and redemption of points do not represent a contractual right to cash or guaranteed benefits, and LuLu Money reserves the right to amend, modify the earning structure, conversion, and redemption rules at any time without prior notice, even though such changes may affect the value of points, or the ability to obtain certain points subject to applicable regulations.
- 6.6 LuLu Money maintains systems to detect and prevent misuse or fraudulent redemption. Customers must report suspected fraud immediately. Educational material on safe usage will be periodically provided. Misuse of the Program, including fraudulent transactions or misuse of referrals, may result in cancellation of points and/or suspension of the customer's account.
- 6.7 LuLu Money is committed to fair, transparent, and timely communication with customers.
- 6.8 To convert LuLu Money Reward points into LuLu Happiness points, users must ensure they are registered with the same mobile number on both apps.
- 6.9 In case of conflict or discrepancy between these T&Cs and any other communications, including advertising or promotional materials, these T&Cs prevail.
- 6.10 In case of any discrepancy in points accrual or redemption, customers may raise a complaint through official channels via customer.care@kw.luluexchange.com or Call +96597279025
7. Limitation of Liability
- 7.1 LuLu Money shall not be liable for any technical failures, delays, or issues in the crediting or redemption of points.
- 7.2 LuLu Money shall not be liable for any direct, indirect, special, exemplary, punitive, incidental, or consequential damages of any kind, whether based in contract, tort, or otherwise, that arise out of or are in any way connected with the LuLu Money Referral Program, these Terms & Conditions, or the operation, suspension, or termination of the Program.
8. Intellectual Property and Personal Information
- 8.1 All trademarks, trade names, logos, designs, software, and other materials connected with the LuLu Money Referral Program are the exclusive property of LuLu Money, its affiliates, or its partners. Participation in the Program does not grant customers any ownership, license, or right to use this intellectual property without prior written consent.
- 8.2 By joining and using the Program, customers acknowledge and agree that LuLu Money may collect, process, and share their personal information as necessary to operate, manage, and improve the Program. This includes activities such as crediting and redeeming points, preventing fraud, verifying eligibility, and enabling benefits through third-party partners (such as LuLu Hypermarket for Happiness Points).
- 8.3 All personal information will be handled in line with LuLu Money's Privacy Notice, applicable data protection laws, and regulatory requirements of the Central Bank of Kuwait (CBK). Customers' information will not be sold to third parties, and when shared with service providers or partners, appropriate contractual and security safeguards will be applied.
Frequently Asked Questions
Any existing LuLu Money user with a valid referral code is eligible to participate in the Referral Program.
You and your friend both can earn 180 points worth 1.5 KWD once your friend completes a successful transaction.
Yes. There is no limit to the number of people you can refer to the LuLu Money App.
No. Transactions made at Branch and completed using the “Pay at Branch” option are not eligible for referral rewards.
