🏦 Rio Credit Card Referral Code Z112IT: Get 500 Rio Coins + Lifetime Free UPI Credit Card
Looking for a credit card that works directly with UPI payments and gives you rewards on every transaction?
Meet Rio Credit Card — India’s smartest UPI Credit Card that combines credit flexibility, cashback, and rewards — all in one powerful app.
Use Rio Referral Code: Z112IT when signing up and get a 500 Rio Coins Welcome Bonus instantly! 🎁
Read in detail: YES Bank Rio Credit Card Review – Lifetime Free UPI Credit Card
💥 Why Choose Rio Credit Card (Code Z112IT)
Here’s why Rio is fast becoming the go-to credit card for UPI users in India:
✅ Lifetime FREE RuPay Credit Card – Zero joining & annual fees forever.
✅ 3% Rio Coins on UPI Scan & Pay – Earn every time you pay with UPI.
✅ Cashback directly to your bank – No confusing reward conversions.
✅ Credit limit up to ₹5 Lakh – Manage bills, shopping, and UPI in one place.
✅ Complimentary Airport Lounge Access – Premium travel perks at no cost.
✅ 500 Rio Coins Bonus – Apply using referral code Z112IT.
🔑 Rio Credit Card Referral Code (2025)
| Detail | Information |
|---|---|
| Referral Code | Z112IT |
| Welcome Bonus | 500 Rio Coins |
| Apply Link | Get Rio App |
Use this code while signing up in the Rio app to instantly unlock your welcome bonus and start earning rewards.
💳 How to Apply for Rio Credit Card (Step-by-Step)
- Download the Rio App.
- Sign up using your bank-linked mobile number.
- Enter Rio Referral Code: Z112IT during onboarding.
- Complete your digital KYC instantly.
- Get your virtual Rio Credit Card and start using it for UPI payments.
Approval is quick — no paperwork, no waiting weeks!
💰 Earn Rewards Every Time You Pay
| Activity | Reward |
|---|---|
| UPI Scan & Pay | 3% Rio Coins |
| Bill Payments | Up to 2% Rio Coins |
| Friend Referrals | 500 Rio Coins each |
| Online Shopping | Partner Merchant Offers |
All your Rio Coins can be redeemed for vouchers, cashback, and discounts on top brands.
🛡️ Rio vs Other UPI Credit Cards
| Feature | Rio Credit Card | Others |
|---|---|---|
| Annual Fee | ₹0 (Lifetime Free) | ₹499–₹999 |
| UPI Rewards | 3% Rio Coins | Limited |
| Welcome Bonus | 500 Rio Coins (Z112IT) | None |
| Lounge Access | Complimentary | Rare |
| Credit Limit | Up to ₹5 Lakh | Usually ₹1–2 Lakh |
Rio clearly stands out with no fees, strong rewards, and seamless UPI integration.
🌟 Final Thoughts
The Rio Credit Card is redefining how India uses UPI — giving you credit power + cashback + rewards in a single card.
Don’t miss your chance to grab 500 Rio Coins instantly —
Apply using Rio Credit Card Referral Code Z112IT and enjoy lifetime free benefits!
👉 Download Rio App | Use Code: Z112IT
Also Read: IDFC Credit Card Apply Online : Zero Joining & Annual Fees