13 Referral Programmes You Can Use to Earn Money (Up to RM200++ Each)

One of my favourite things about being a writer is the creativity I can apply during the content creation and monetisation process. There are so many ways to earn money!

And you know what? Anyone can write. And everyone has a network of friends and family to tap into. It’s just a matter of doing it well, in a ‘everyone likes to buy but no one likes to be sold’ kinda way.

In this article, I would like to share with my fellow content creators – both current, future and even casual ones – the referral programmes that I have experience in using, plus the amount of income they have generated for me so far.

I’m also giving links of posts containing the referral links so you can have a sense of what types of content do well, and which do not. Knowing what *doesn’t* work is part of learning too.

Some disclaimers before we start:

  • All information in this article is correct as of writing time
  • My strategy with product promotion is it must be a win-win-win situation for all parties – my audience (primary consideration), myself, and the company.
  • Results may vary for you. I’m just sharing how these referral programmes have worked for me, a personal finance blogger with an audience who identifies as money nerds (as am I – own it and say it with pride, fellow money nerds)
  • My primary platforms are this website (ringgitohringgit.com), Facebook and Twitter. Sometimes I post on Instagram and LinkedIn, but not that consistently. You can still earn referrals even if all you have is your social media – use the networks you already have because word-of-mouth is incredibly powerful!

With those in mind, here we go. The referral programmes here are listed by lowest to highest rewards per referral.

#1 – Maybank’s MAE ewallet, average RM1.60

  • Type: Ewallet
  • Referral income to date: Around RM50

Maybank’s MAE ewallet gives you varied amounts, depending how well you do in the game, when the person you refer opens a MAE ewallet account with your code and adds a minimum of RM10. Their incentive to use your code: they get an extra game round.

Examples of my content which help boost referrals – Social media:

 

View this post on Instagram

 

STATISTICS FROM PLAYING MAYBANK’S MONEY MAE-HEM GAME . (it’s the game from Maybank’s new ewallet Mae. You click on falling coins to earn points while dodging bombs.) . 🔹Total games played: 31 rounds + 4 bonus rounds from diamond bonus 🔹Total rounds wasted because Maybank app glitched: 4 🔹Total loot: RM49.74 (RM59.74 minus RM10 the initial amount to open the account) 🔹Highest amount won per game: RM3.99 🔹Lowest amount won per game: RM0.20 🔹Average amount won per game: RM1.60 (RM49.74 / 31 games) 🔹Need luck or skill?: more luck than skill tbh. Sometimes I’d accidentally press bomb early but still earn above RM1. Sometimes I complete the round without kena bomb but still get like RM0.50 🔹 Games where I won below RM0.50: 16 or 52% of the time (!!) (or maybe I just suck at the game) . Overal quite fun. From socmed, the highest I’ve seen people get from the game is RM4.99 per round. . Find and play the game by opening a Mae account from your Maybank app. Or for non Maybank users, search and download from app store. . You get one round when you open an account. Insert code sbz0515 for extra round. Let me know how to earn more rounds without codes – it’s quite an addictive game! . Thank you for reading this post lol . #maybank #maybankmae ##moneymaehem #maybankmalaysia #mymaybank #playgameearnmoney #malaysia #fintechMalaysia #kualalumpur #shahalam #petalingjaya #bangsar #subangjaya

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#2 – Shopback, RM5

  • Type: Cashback platform
  • Referral income to date: RM1255

Shopback gives you RM5 when the person you refer spends a minimum of RM25 through their platform and their cashback turns redeemable. The second part of the sentence is important. Some cashbacks take 60, 75 days to turn redeemable. So it’s not instant.

Their incentive to use your link: they get extra RM5.

Examples of my content which help boost referrals:

Article: Shopback Tips: How I Made Over RM2000

Social media:

#3 – HelloGold, RM5

  • Type: Gold investment platform
  • Referral income to date: RM530 in gold

HelloGold gives you RM5 in gold when the person you refer downloads the app through your link and buys a minimum of RM50 in gold. Their incentive to use your link: they get extra RM5 in gold.

Examples of my content which help boost referrals – social media and articles:

#4 – BigPay, RM10

  • Type: Ewallet with debit card
  • Referral income to date: RM3220

BigPay (Android link, iOS link) gives you RM10 when the person you refer download the app through your link and activates their card. Their incentive to use your link: they get extra RM10.

BigPay used to be easier to promote back when you HAD to get the card to avoid the card fees when you buy AirAsia tickets. Now their only selling point is the good exchange rate (which is still a good selling point imho). They’re also easier for lifestyle bloggers to promote – insert it in your traveling-related content and posts.

Examples of my content which help boost referrals:

Articles: Most of my travel articles, like Under-RM2000 Travel: 4D3N Luang Prabang Trip and 4D3N Maldives Trip: What I got for RM3.3k

Social media:

 

View this post on Instagram

 

Thanks everyone who used my #bigpay referral code to get a @bigpayme card in 2018 ❤️ I averaged one sign up per day, not bad! Let me know if you signed up from me in the comments – I’d love to give you a personal thank you 😊 . For real though, I really do like Bigpay. It saved me money. I say its most useful for travellers and online shoppers who buy stuff from overseas. The exchange rate you get is amazing. Kalah the big banks, by a wide margin, no contest! . I wonder if BigPay’s growth affected profits of money exchangers. You know the ones in malls and stuff? Meh, I don’t feel too bad about it. BigPay has always been friendly; the people at money exchangers have always been sombong. I’m glad I don’t have to line up there again. . Obligatory #BigPayreferral code (get RM10 free) – ‘PCRINGGITS’ (valid until 28 February 2019) or ‘INLALP7ZLE’. Find it at Playstore or Appstore . P/s- if you’re curious to know what I used with the RM2.3k in referral income. I top up my #grabcar and #boostappmy ewallets. I also buy gold from #hellogold, groceries from #happyfresh, and cat food from #lazada. My cats, Yoshi and Lemon, thank you for their fancy Blackwood kibble lmao . #personalfinancemalaysia #savemoneyMalaysia #fintechMalaysia

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#5 – Klook, RM13.30

  • Type: Activity booking platform
  • Referral income to date: RM0 (I keep forgetting to promote it even though I use it a lot during my travels!)

Klook gives you RM13.30 in credit when the person you refer completes their first activity. Their incentive to use your link: they get RM13.30 too.

I haven’t earned anything from Klook – that means where I’m inserting them in my articles and content is not suitable and not working. I should fix that.

#6 – Yoodo, RM20

  • Type: Telco plan
  • Referral income to date: ~RM100 (unsure)

Yoodo gives you RM20 in credit when the person you refer signs up and activates their line. Their incentive to use your link: they get RM20 in credit too.

Examples of my content which help boost referrals – Social media:

#7 – HappyFresh, RM20 + Free Delivery

  • Type: Grocery delivery platform
  • Referral income to date: unsure; around RM200 worth?

HappyFresh gives you RM20 + Free Delivery (worth up to RM9 like that) voucher code when the person you refer makes their first order. Their incentive to use your link: they get RM25 + Free Delivery.

Example of my content which help boost referrals – Article: HappyFresh Review: 10 Tips to Save Money and Time!

#8 – Luno, RM25

  • Type: Digital asset investment platform
  • Referral income to date: unsure

Luno gives you RM25 in bitcoin when the person you refer buys a minimum of RM250 worth of cryptocurrency. Their incentive to use your link: they also get extra RM25 in bitcoin.

Referral income from Luno is a bit hard to track because (1) it’s given in bitcoin, and the value of RM25 in btc flunctuates every day, and (2) the platform records the transactions like this, not in numbers:

The flunctuation in value can be a double-edged sword. If you received RM25 in bitcoin then the price drops, too bad. But on the flip side I’ve also earned btc when the price was super low years ago, so the RM25 I earned per referral effectively turned into RM250 per referral if I sell it now. If you don’t need the money, just keep it in btc and pray for the price to go up.

Examples of my content which help boost referrals:

Articles:

#9 – Funding Societies, RM30

  • Type: Peer-to-peer lending platform
  • Referral income to date: Around RM35k (you read that right)

Funding Societies gives you RM30 when the person you refer invests a minimum of RM1000 in their platform. Their incentive to use your link: they also get extra RM30.

The money will be deposited right into your account, which you can use to re-invest (thus making you more money, if everything goes well). You can also withdraw the money out to your bank account.

Examples of my content which help boost referrals:

Articles:

#10 – Wahed Invest, $10/RM40 $5/RM20

  • Type: Digital investment platform
  • Referral income to date: Around RM8k

Wahed Invest gives you $10/RM40 reduced to $5/RM20 when the person you refer invests a minimum of RM100 in their platform using your code. Their incentive to use your link: they also get extra $10/RM40 reduced to $5/RM20.

Like Funding Societies, the money will be deposited into your account and re-invested. You can withdraw it out if you wish.

Examples of my content which help boost referrals:

Article: 10 Types of Islamic Investments in Malaysia (that Everyone Can Get)

Social media:

#11 – SoCar, RM45

  • Type: Car-sharing platform
  • Referral income to date: Around RM315

SoCar gives you RM45 in voucher code when the person you refer signs up with your link and completes their first booking. Their incentive to use your link: they get 4 hours of car-renting for free.

Examples of my content which help boost referrals:

Article: SOCAR Review: 7 Tips to Get Cheap Car Rental in KL, Penang and Johor

Social media:

 

View this post on Instagram

 

NEW ARTICLE – I tried and loved @socar.my, the car-sharing platform, so I compiled SEVEN tips to save money while using it! Find it at ringgitohringgit.com (link in bio) 🚗🚙💨 . My actual trips: . 🚦Trip 1 (Weekday – 6.5 hours): Total fee RM60.68. I paid RM41.12. The same trip would have cost me ~RM70 in Grab fare . 🚦Trip 2 (Weekday – 12 hours): Total fee RM84.80. I paid RM69.90. The same trip would have cost me ~RM180 in Grab fare . 🚦Trip 3 (Weekend – 10.5 hours): Total fee RM97.01. I paid RM73.10. The same trip would have cost me ~RM150 in Grab fare First-time SOCAR users can get 4 hours free by registering with the referral code ‘QWGLNG’ or click this link: https://go.socar.my/Ju9fEaTVQ1 (link in bio too)🙌 . #socarmy #carsharingmalaysia #kualalumpur #johor #penang #klangvalley #selangor #carrentalkl #carrentaljohor #carrentaljohorbahru #carrentalpenang #sewakereta #keretasewa #keretasewamurah #savemoneyMalaysia

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#12 – AirBnB, RM62 (for new hosts) / RM90 (for new users)

  • Type: travel booking (home and experiences) platform
  • Referral income to date: RM0 (also need to step it up!)

AirBnB (for new hosts) gives you RM62 for every new host who signs up through your link and had a guest complete their first reservation.

AirBnB (for new users) gives you RM90 in travel credits when the person you refer signs up with your link and completes a first-time stay or experience. Their incentive to use your link: they get RM120 off their home booking and RM45 to use toward an experience worth RM191 or more.

Personally I have planned some content around AirBnB, just yet need to find the time to write/edit/publish it. I need to work on that because the referral income potential is really high – I know someone who made five-figures from it!

#13 – Siteground, from $50/RM200

  • Type: website hosting service
  • Referral income to date: $150

SiteGround is the hosting plan I’m using for ringgitohringgit.com. It gives you a VERY generous $50/RM200* when the person you refer buys a plan with their domain. You need to hit a minimum of $100 in commissions (or two sales) to initiate the bank transfer. Their incentive to use your link: they get reduced prices on hosting plans.

*You earn more if you get more sales – over 10 sales per month gets you $100/RM400 per referral!

The referral amount is REALLY good, because SiteGround essentially wants to lock in customers for life. Their plans after the special price are quite pricey so you can imagine how this referral programme strategy is a long-term game for them.

(FYI – ringgitohringgit.com is on the GrowBig plan under Managed WordPress Hosting)

referral programme in malaysia

The thing is, having used them for almost 2 years now (switched from BlueHost), I can say that their service is truly pretty good. Quite annoyed by how good it is because now I don’t feel like changing to a cheaper plan come renewal time :/

Examples of my content which help boost referrals:

Article:

Other referral programmes in Malaysia

I won’t pretend this is a comprehensive list of referral programmes in Malaysia – it’s not, far from it. This list only contains products and services that:

  1. I personally use. I actually take a lot of pride in making sure my content, though contains referral links, is as objective and transparent as possible. And part of that is being an actual user.
  2. Satisfies my ethics threshold. There are more referral programmes out there that I haven’t tried (and will never try). For what it’s worth: I’ll never promote get-rich-quick platforms, MLMs (ALL of them), Forex platforms, gambling platforms and those in similar vein
  3. Are worth my time and effort. I’ve dabbled with others like Boost, FoodPanda and Fave. But some of the rewards are so small (RM1 and below per successful referral) and some have incredibly limiting Terms & Conditions (‘up to 10 referrals only’) that I didn’t think they were worth my time and energy to focus on, when there are bigger rewards out there to reap.

Aside from those, there are also super niche referral programmes from individual companies and organisations which I haven’t tried, like refer-a-friend programmes for education (lots of universities and colleges do this), properties, financial products, headhunting and others.

There are also affiliate marketing networks such as Involve Asia, which I dabbled in but didn’t get good results.

What is your experience with referral programmes?

Which of the above have you tried, and have you had success with it? Have you tried any other referral programmes in Malaysia? What tips do you have to maximise conversion? Do you use any particular strategy?

As always, do share your knowledge with us in the comments section. While you’re at it, put your ref links in too 🙂

EDIT: I’ve started my own affiliate system, my own referral programme. Earn RM1.78-RM17 per each #MyMoneyStories book order. More information here.

Author

6 comments

  1. I tried Shopback and Involve Asia. Shopback is great although it takes longer to withdraw. Involve Asia, ermmm. Not a fan. Some of my sales are still pending.

    Other than that, I do promote other affiliate products in websites like Klikjer, Onpay, Maideasy and HappyFresh.

    I got quite a lot of sales from Klikjer. I wrote few articles on certain products and it keeps on generating sales.

    I just started Onpay last 2 months but on and off. So, it doesn’t really show good result.

    I stopped promoting Maideasy and HappyFresh because I got lazy.

    I like your referral list in the article. Definitely gonna try some of them and be active on promoting them next year 😀

    1. Hi Fadzi,

      Thank you for your insights and recommendations! Definitely going to test out Klikjer and see if it’s suitable 😀 Great portal you have there at fadzirazak.com, enjoyed your 10 jenis kuih talam post!

  2. Hi Suraya,

    Thanks for your great sharing! This article will definitely help me to earn some side income when I start to launch my finance blog. It is wise of you to find the referral program that worth your time to share with a bigger return. 🙂

  3. Although not cash, but I managed to earned a few thousand airasia bigpoints through Rakuten Trade Referral. Rakuten Trade is by far the most convenient stock trading account, it also comes with a referral program that earns you 500 RT points (Equivalent to 500 AirAsia Big Points) per referral. Account opening takes only one working day.

    Do use this code below if you decide to open a trading account with Rakuten Trade.

    7afWPJPHMC

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