How do I invite my friends to use OKX Card?

Published on Sep 10, 2026Updated on Oct 14, 20264 min read
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Share your invite link and you earn commission when the people you invite get a card and spend with it. You earn from the people you invite directly, and a share from the people they invite. Your link is in the Pay tab and then Benefits entry point, which also shows your invites and what you've earned.

You need to have an active card to refer a friend. If you don't have one yet, order a card first.

How do I earn from card referral program?

There are two ways you earn, and your rates depend on how many people you've invited.

Tier 1

Tier 2

Tier 3

Ambassador

Invites

0–10

11–30

31+

Invite only

Card activation

20%

25%

30%

40%

Level 1 Spend — people you directly invited

0.10%

0.15%

0.20%

0.25%

Level 2 Spend — people your friends' invited

10%

10%

10%

10%

Card activation pays a share of the card fee when someone you invited pays for a virtual or physical card, after applying any vouchers or promotions.

Spend pays a share of what they spend on their card, for as long as they keep spending. The rate for people they invited is 10% of what you earn on your own invitee's spend.

Earnings stop there. Someone three levels below you doesn't pay you anything.

FAQ

1. When do I start earning money?

You earn a card-activation commission when someone you invited activates their card, and spend commission from their first spend onwards.

Nothing is paid for a sign-up or an invite on its own — commission is paid for real, settled activity.

2. When am I paid?

Commission is paid to your OKX Pay balance in USDG when it settles. You need to ensure that you have your Pay activated so that you can receive commissions.

If a purchase you earned is refunded, the related commission is deducted from your balance. There's a 7-day claw-back window after commission is paid.

3. How do I move up a tier?

Tiers are based on how many people you've invited who have activated card. Upgrades can take place until the end of the day rather than applying immediately.

Your rate applies from the point you move up, not retrospectively. So your first 10 invitees earn you 0.10% on their spend, and from your 11th onwards you earn 0.15%.

4. How do I become an Ambassador?

Ambassador is invite-only, or you can apply from the Pay tab and within the Benefits entry point.

Ambassadors earn the highest rates in the table above. See the OKX Affiliate Program Agreement for the terms.

5. Who can I invite for the referral program.

People who are new to OKX Exchange, have never applied for a card, and are in a country where the card is available.

6. My friend signed up but I'm not earning from them.

Check the Benefits entry point first — they may not have activated a card or spent yet. Other reasons:

  • You didn't activate Pay. Commissions are sent to your Pay balance. Commissions will not be retroactively rewarded if you do not have your Pay account activated

  • You didn't activate card. You need to activate your card in order to start inviting your friends

  • They didn't use your link. They can still enter your code at sign up, or add it in the app later, as long as they do it before the window closes

  • Someone else invited them first. Each person has one invite relationship, bound to whoever they signed up under first. If they were already invited by someone else, that relationship stands

  • They already had a card. Invitees need to be new to the card

7. Can I earn twice for the same person?

No. We pay once per person who gets a card, whichever invite relationship was created first, and regardless of where the invite came from.

8. Is there a limit on what I can earn?

Currently, there is no limit on how much you can earn. OKX reserves the right to change this in the future.

Other limits may apply depending on your tier. See the OKX Affiliate Program Agreement for the full terms.

9. Are there other promotions?

Check the Pay tab. Anything you're eligible for shows up there with what you need to do and when it ends.

We only announce promotions in the app and on our official channels. Anyone messaging you about an OKX Money offer, especially one that asks you to send funds or share a code, is running a scam. See How can I protect myself from scammers? for what to watch for.