Last checked 8 Sept 2026
Karta pays in points that convert to USDT, and the ongoing 25 percent share of referred spend is one of the highest rates in this list.
Our Karta referral link
https://karta.social/95cb5adb1d
Open the Karta sign upThis is an affiliate link. It never changes where the card sits in the ranking.
How the Karta referral system works
You get an invite link from the Karat section of the Karta app. Your friend creates an account, passes verification, tops up their balance and issues a virtual card. That earns you 500 Karat, worth roughly $5. After that you keep earning 25 percent in Karat of everything they spend on the card. Once your Karat balance is over 2000 you can convert it to USDT.
Getting the reward, step by step
- 1Open the Karat section in the Karta app and tap Invite
- 2Share your link through Telegram or copy it elsewhere
- 3They create an account and pass verification
- 4They top up and issue a virtual card
- 5You get 500 Karat, around $5
- 6Keep earning 25 percent in Karat on their ongoing card spend
What has to happen before you get paid
- They must pass identity verification
- They must top up and issue a virtual card
- Ongoing rewards depend on them continuing to use the card
- You need more than 2000 Karat before converting to USDT
Payout timing. The 500 Karat lands when the card is issued. Spend rewards accrue continuously and can be claimed as USDT above 2000 Karat.
Source
Karta Personal Help Center, How to Invite a FriendTerms confirmed against the provider's own documentation.
Karta documents this under the Karta Personal brand, which is the same card product served at karta.social.