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CrediBill Refer & Win 24K Gold Campaign — Refer SMEs to CrediBill and win a 10g 24K Gold Bar
 
Earn min. 8 tickets to qualify  ·  T&Cs apply  ·  Regulated by Securities Commission Malaysia  ·  Read FAQ
How It Works

Four steps to win 24K gold.

Refer SMEs in your network to CrediBill. Every qualifying transaction they make earns you a Lucky Draw ticket toward a 10g 24K Gold Bar.

1
Share Your Code
Share your Company Referrer Code (CB-XXXXXX), Full Name (as per IC), and work email with SMEs in your network.
2
They Sign Up & Transact
Your Referred Client signs up, gets approved, and makes a qualifying transaction of ≥ RM500 on CrediBill.
3
Stack Your Tickets
Earn 1 ticket per qualifying transaction, up to 4 tickets per referred client. You need ≥ 8 tickets to qualify for the draw.
4
Win Gold
3 winners drawn randomly in November 2026. Identity verification required at prize claim.
Start Referring Now → Download Promotion Toolkit ↓
A Worked Example

Imagine you refer two SMEs.

Here’s exactly how your tickets stack up across two Referred Clients — Company A and Company B — and how that gets you to the Lucky Draw.

Referred Client #1
Company A
Signs up using your code · gets approved
Txn 1
RM 800
Qualifying ✓
+1 ticket +RM50 cashback
Txn 2
RM 1,200
Qualifying ✓
+1 ticket +RM50 cashback
Txn 3
RM 650
Qualifying ✓
+1 ticket +RM50 cashback
Txn 4
RM 500
Qualifying ✓
+1 ticket +RM50 cashback
From Company A: 🥇 4 tickets for you
  💰 RM200 cashback for Company A
Referred Client #2
Company B
Signs up using your code · gets approved
Txn 1
RM 900
Qualifying ✓
+1 ticket +RM50 cashback
Txn 2
RM 750
Qualifying ✓
+1 ticket +RM50 cashback
Txn 3
RM 1,500
Qualifying ✓
+1 ticket +RM50 cashback
Txn 4
RM 600
Qualifying ✓
+1 ticket +RM50 cashback
From Company B: 🥇 4 tickets for you
  💰 RM200 cashback for Company B
 
Add them up
 
Your Total
8 Lucky Draw Tickets
✓ Qualified for the Grand Draw · Eligible to win a 10g 24K Gold Bar (3 winners drawn in November 2026)
Across Company A and Company B, you earned the minimum 8 tickets needed to qualify. The more Referred Clients you bring in — and the more qualifying transactions they make — the more tickets you stack, and the better your odds.
Eligibility

Who is eligible to participate?

The campaign has two roles — Referrer (existing CrediBill users) and Referred Client (new Buyer SMEs). Each has its own eligibility criteria.

Eligible Referrer

Existing CrediBill users (Buyers & Suppliers)

✓ Individual personnel of an existing active CrediBill Buyer or Supplier company registered before 1 June 2026
✓ Multiple personnel from the same company may refer independently using the same Company Referrer Code
✓ Each Referrer is uniquely identified by Full Name (as per IC) + work email
✕ Cannot refer themselves or connected entities (same owner, address, bank account, or SSM details)
✕ CapBay/CrediBill employees and their immediate family members are not eligible
Eligible Referred Client

New Buyer SMEs (signed up via a Referrer Code)

✓ Legitimate Malaysian SME with valid SSM registration
✓ Signs up between 1 June and 31 August 2026 using a valid Referrer Code
✓ Passes CrediBill’s assessment and onboarding
✓ Must intend to use CrediBill as a Buyer (making payments to suppliers)
✕ Not already an existing CrediBill Buyer or Supplier
Reward Scenarios

What earns a ticket, and what doesn’t.

Real scenarios to help you understand which Referred Clients will earn you Lucky Draw tickets — and which won’t.

✓ Qualifies

SME signs up & transacts RM500+ four times

You refer ABC Trading. They sign up in July, get approved, then complete 4 separate qualifying transactions of RM800, RM1,200, RM650, and RM500 during the qualifying period.

→ You earn 4 tickets (the max from this client)
✓ Qualifies (Partial)

SME signs up & transacts RM500+ twice

You refer XYZ Holdings. They sign up in June, get approved, then complete 2 qualifying transactions of RM900 and RM600 — but don’t transact again.

→ You earn 2 tickets from this client
✕ Doesn’t Qualify

Transactions below RM500

Your referred client completes 5 transactions but each is below RM500 (e.g. RM300, RM450). They don’t meet the minimum qualifying transaction value of RM500.

→ No tickets earned from this client
✕ Doesn’t Qualify

Referred Client didn’t pass approval

Your Referred Client submits the Sign-Up Form but is not approved during CrediBill’s assessment, or doesn’t complete onboarding. Only approved & onboarded clients can transact and trigger tickets.

→ No tickets earned
✕ Doesn’t Qualify

Code entered incorrectly

Your Referred Client enters an incorrect Referrer Code, Full Name, or Email on the Sign-Up Form. The first details submitted are final — they cannot be amended after submission.

→ Ticket goes to wrong Referrer (or none)
✓ Qualifies (Independently)

Multiple personnel from the same company

You and a colleague both work at the same CrediBill Supplier. You each refer different SMEs using the same Company Referrer Code, but your own Full Name + Email.

→ Each of you earns tickets independently
The Grand Prize
10g
24K (999) Gold Bar × 3 winners · Approx. RM7,000 each
1 ticket Per Txn ≥RM500
Up to 4 Per Client
≥ 8 To Qualify
✨ The Twist

Prizes are awarded to individuals — not companies.

Multiple team members from your company can each participate, track their own tickets, and win independently using the same Company Referrer Code. You’re competing with the wider Referrer community, not your own colleagues.

Encourage your coworkers to join the campaign and give everyone their own individual shot at winning big.

Why Recommend CrediBill

What makes CrediBill easy to refer.

Beyond the campaign — six reasons your network will actually thank you for the recommendation.

120 DAYS

Flexible Payment Terms

Buyers can pay suppliers in up to 120 days, choosing terms that match their cash flow cycle.

💸

Suppliers Paid Instantly

Suppliers receive immediate payment upon successful delivery — no waiting on the buyer’s credit cycle.

✅

No Loans, No Credit Hit

CrediBill is a B2B BNPL platform, not a loan. It does not affect company credit scores or CCRIS/CTOS records.

📊

Tailored Credit Limit

No fixed min or max. Limits are calibrated to business needs and transaction history — matching reality.

✨

Simple, Hassle-Free

Forget loans, factoring, and paperwork. Quick approval within 3–5 working days, all done online.

Trusted & Regulated

Powered by CapBay, licensed by Securities Commission Malaysia. Recognised as one of World’s Top Fintechs 2023–2025.

Upcoming Sessions

Join us, get the inside track.

Briefings, webinars, and networking — get the Promotion Toolkit, learn the mechanic, and bring your Referred Clients along to the sessions they’re invited to.

05 Jun 2026
Referrer Only · Gmeet

Referrer Enablement Session

11:30 AM – 12:00 PM MYT (30 mins)
30-minutes onboarding for all Referrers. Walkthrough of the campaign mechanic, the Promotion Toolkit, and how to confidently pitch CrediBill to your network. Referrers can raise any Q&A at the end about the campaign.

RSVP →
02 Jul 2026
Open Webinar · Online

General Industry Webinar (Title TBC)

7:00 PM MYT (45 mins)
An upcoming session covering the latest business trends and operational frameworks to optimize your company’s growth and cash flow (Final topic to be confirmed). Open to your Referred Clients too.

Stay tuned!
23 Jul 2026
Open Webinar · Online

Healthcare Industry Webinar (Title TBC)

7:00 PM MYT (45 mins)
A healthcare industry webinar exploring the latest operational trends and productivity strategies to help optimize and grow your medical business.(Final topic to be confirmed). Open to your Referred Clients too.

Stay tuned!
20 Aug 2026
In-Person · KL

SME Networking Event

TBC
Exclusive Networking Session: Connect with fellow SME founders and the CrediBill team. Invite your prospective Referred Clients to join you for an evening of strategic connection.

Stay tuned!
Frequently Asked Questions

Quick answers, no fluff.

Common questions about the campaign — including the questions your Referred Clients are likely to ask you.

When is the campaign running?+
The Campaign Period runs from 1 June to 31 August 2026 — this is when new Buyer sign-ups are accepted. The Qualifying Period extends to 31 October 2026, during which you continue to earn Lucky Draw tickets on qualifying transactions made by your Referred Clients. Winners are announced in November 2026.
Who can participate as a Referrer?+
All individual personnel of existing active CrediBill Buyer and Supplier companies (registered before 1 June 2026). Multiple personnel from the same company can refer in parallel — each tracked separately by their Full Name (as per IC).
How do I earn Lucky Draw tickets?+
Share your Company Referrer Code, Full Name (as per IC), and work email with SMEs in your network. When they sign up, get approved, and make a qualifying transaction (≥ RM500) on CrediBill, you earn 1 Lucky Draw ticket. Maximum 4 tickets per Referred Client. You need at least 8 tickets to qualify for the gold prize draw.
Why do I need to share my Full Name as per IC?+
Multiple personnel from the same company share one Company Referrer Code. Your Full Name (as per IC) is what uniquely identifies you as the Referrer. Prizes are awarded to the individual (not the company), so identity verification at prize claim is matched against the Full Name submitted.
How will I know when I’ve earned a ticket?+
You’ll receive an email notification each time your Referred Client makes a qualifying transaction. The notification is sent to the email your Referred Client enters on the Sign-Up Form, so please brief them carefully to enter your correct work email. Email addresses cannot be amended after submission.
What if multiple Referrers share their codes with the same SME?+
Only the first Referrer Code (and accompanying Full Name + Email) submitted on the Sign-Up Form will be acknowledged. Subsequent codes from other Referrers won’t be tracked or credited for the same Referred Client. The Sign-Up Form accepts only one Referrer per submission.
Can I refer myself or my own businesses?+
No. Referring yourself or connected entities (same owner, address, bank account, or SSM details) is not eligible. CrediBill reserves the right to disqualify any participant suspected of breaching this rule.
How are winners selected and notified?+
3 winners are drawn randomly from the pool of qualified Referrers (those with ≥ 8 tickets) in November 2026. Winners are notified by email and announced via EDM. Identity verification (matching the Full Name as per IC submitted) is required at prize claim. Prizes are presented at our KL office or couriered if you’re based elsewhere.
What’s in the Promotion Toolkit?+
The Promotion Toolkit contains ready-to-use assets to make sharing easier: posters for social media, WhatsApp copy templates, EDM templates, and the direct Sign-Up Form link for your Referred Clients. Everything is pre-branded — copy-paste with your unique Referrer Code added.
How does the RM200 cashback work for my Referred Client?+
Your Referred Client earns RM50 cashback per qualifying transaction (≥ RM500), up to 4 transactions = RM200 maximum. Examples: 1 transaction = RM50 · 2 = RM100 · 3 = RM150 · 4 = RM200 (capped). Cashback is credited as a monthly rebate — paid at the end of each month following a qualifying transaction (next-month payout).
When will my Referred Client receive their cashback?+
Cashback is paid as a monthly rebate — credited at the end of each month following a qualifying transaction. So a transaction completed in June would have its RM50 cashback paid by end of July, and so on. Full payout terms are detailed in the Campaign T&Cs.
Is CrediBill a loan? Will it affect my Referred Client’s credit score?+
No, CrediBill is a B2B BNPL (Buy Now Pay Later) platform, not a financing service. It does not appear on CCRIS/CTOS and does not affect company credit profiles. Your Referred Client is using a payment platform — not taking a loan, not pledging collateral, and not making any long-term commitment.
What are CrediBill’s fees?+
A 0.5% to 1.0% fee on each transaction’s value (for both Buyers and Suppliers), depending on the agreed payment terms. There are two types of fees: an Admin Fee and an Early Payment Fee. No hidden charges — all costs are known upfront and only paid upon use.
How long does approval take for my Referred Client?+
Typically up to 5 working days from a complete Sign-Up Form submission. They’ll be notified by email when their account is approved or if any additional information is needed.
What if my Referred Client only makes 1 or 2 qualifying transactions?+
They still earn partial cashback: 1 transaction = RM50, 2 = RM100, 3 = RM150, 4+ = RM200 max. Even one qualifying transaction earns RM50 — there’s no minimum threshold to claim cashback. Each transaction must be at least RM500 and completed by 31 October 2026.
Can my Referred Client earn the full RM200 on one big transaction?+
No. The RM200 maximum is earned through up to 4 separate qualifying transactions at RM50 each. This is a hard cap regardless of transaction value — a RM5,000 transaction still only counts as RM50 toward their cashback. The structure exists to encourage them to experience CrediBill multiple times.
Is there a minimum or maximum credit limit?+
There is no fixed minimum or maximum limit. Each Buyer’s credit limit is calibrated to their business needs and transaction history with their buyers and suppliers — so it matches their actual working capital requirements.
How long are the payment terms?+
CrediBill offers flexible payment terms up to 120 days, tailored to the Buyer’s cash flow needs. Your Referred Client will work with our team to set terms that match their business cycle.
Is CrediBill regulated?+
CrediBill is powered by CapBay, an award-winning Supply Chain Finance and Peer-to-Peer (P2P) Financing platform licensed by the Securities Commission Malaysia. CapBay has been recognised by CNBC and Statista as one of the World’s Top Fintech Companies for three consecutive years (2023–2025).
Where can I read the full Terms & Conditions?+
The complete Terms & Conditions are linked at the top of this page (in the banner below the hero) and in your Promotion Toolkit. We recommend reading them in full before participating.
🥇 Refer & Win 24K Gold

Ready to start referring & winning?

Download the Promotion Toolkit, share your Referrer Code with SMEs in your network, and stack your tickets toward a 10g 24K Gold Bar.

Start Referring Now → Download Promotion Toolkit ↓