🤑 What you can earn
₱50 cash
per eligible referral
Capped at ₱1,000 per week
+150 BidaCredits
Per 10 eligible referrals
Credited Automatically
₱3,000 cash
Quarterly top referrer – awarded to the person with the highest number of eligible referrals for the quarter.
Your referrals are tracked automatically: who signed up, when, and whether they verified their accounts. You can see your progress live in your account. BidaCredits are credited to your account in real time.
⚠️ Cash incentives are capped at ₱1,000 per week (Monday 12:00 MN to Sunday 11:59 PM). There’s no limit on how many referrals you can make. The Quarterly Top Referrer prize isn’t covered by the weekly cap.
BidaCredits are reward points in the BidaCredit app. They have no separate peso value and can’t be withdrawn. They can only be redeemed for vouchers in the app, under the Rewards Marketplace Terms and Conditions and the terms of the merchant issuing the voucher.
📅 When
November 2, 2026 (12:00 AM PHT) to November 1, 2027 (11:59 PM PHT). The promo is open nationwide in the Philippines, online at app.bidacredit.ph. A Quarterly Top Referrer is picked at the end of each of the 5 periods below.
Period 1
Promo Cut-off
November 2, 2026 – December 31, 2026
Draw date
January 4, 2027, 11:30 AM
Period 2
Promo cut-off
January 1 – March 31, 2027
Draw date
April 1, 2027, 11:30 AM
Period 3
Promo cut-off
April 1 – June 30, 2027
Draw date
July 1, 2027, 11:30 AM
Period 4
Promo cut-off
July 1, – September 30, 2027
Draw date
October 1, 2027, 11:30 AM
Period 5
Promo cut-off
October 1 – November 1, 2027
Draw date
November 2, 2027, 11:30 AM
Each period ends at 11:59 PM PHT on its last day. If the pick date falls on a weekend or public holiday, it moves to the next working day.
✅ Who can join
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You must be 18 or older and living in the Philippines.
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Must have a verified BidaCredit account and must activate your unique referral link in the app.
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Must have a valid Philippine-issued ID, such as a Passport, Driver’s Licence, UMID, SSS ID, PhilHealth ID, Voter’s ID, or any government-issued photo ID.
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It’s free to join. No purchase, fee or payment is needed to join or win.
🚀 How to join
- Sign up at app.bidacredit.ph using your full name, email address, home address and mobile number.
- Activate your unique referral link.
- Share your link with friends, family and followers. Each person who signs up and verifies their account through your link counts as one eligible referral.
🎡 How incentives are paid
- Referral cash incentives are paid out every Monday, Wednesday and Friday unless it falls on a public holiday, then referral incentives are processed on the next working day.
- The Quarterly Top Referrer will be notified via registered email and mobile number. Incentives will be paid out within fifteen (15) days of notification.
- Earned BidaCredits are automatically credited into your account.
🏆 Quarterly Top Referrer
₱3,000
- Total Quarterly Top Referrer prizes: ₱3,000 for each of the 5 periods.
- Cash incentives are sent by bank or e-wallet transfer to your verified account every Monday, Wednesday and Friday, in Philippine Pesos. No physical claiming needed.
📣 How winners are notified
- Winners are notified individually by registered mail and by email from general@bidacredit.phevery Monday, Wednesday and Friday. On public holidays, notices go out the next business day.
- Claim your incentives within 60 days of receiving the official notice. Unclaimed prizes are forfeited in favor of LenderLink Inc., with DTI approval.
🚫 BidaCredit will never ask you to pay to claim a prize. Ignore messages from accounts that aren’t official.
❌ Who can’t join
Employees, developers, contractors, agents and staff of LenderLink Inc. and its subsidiaries and affiliates, and their relatives up to the 2nd degree of consanguinity or affinity.
Participating outlets, their employees, and their relatives up to the 2nd degree of consanguinity or affinity.
Anyone with more than one BidaCredit account, or with prior fraud or misconduct on the platform.
BidaCredit may disqualify anyone who doesn’t follow these mechanics, including accounts flagged for fraud, multiple registrations or other platform integrity violations.
Earn ₱50for every friend you refer!