Niyo Referral Code GEMGE520 – Get ₹250 in Niyo Coins as Joining Bonus

If you’re looking for a simple, rewarding way to start your Niyo journey, you’re in the right place. In this post, I’ll share how you can use the Niyo referral code GEMGE520 to grab ₹250 in Niyo Coins as a joining bonus and why Niyo is worth checking out.

What Is Niyo?

Niyo is a modern digital banking platform that offers app-based money management, travel-friendly accounts, and rewards on your everyday spending. Instead of visiting a branch, most things are handled right from your phone – from opening an account to tracking your expenses.

Niyo Referral Code: GEMGE520
Here’s the star of the show:
Use Niyo Referral Code: GEMGE520
Get: ₹250 in Niyo Coins as a joining bonus
You can enter this referral code while signing up in the Niyo app to claim your reward (subject to Niyo’s current offer terms and eligibility).

How to Use the Niyo Referral Code GEMGE520
Follow these simple steps to get started:
1. Download the Niyo App
Go to the Google Play Store or Apple App Store and search for “Niyo”.
2. Sign Up / Create Your Account
Open the app, enter your mobile number, and start the registration process.
3. Enter the Niyo Referral Code
When you see the “Have a referral code?” or similar option, enter:
GEMGE520
4. Complete Onboarding (KYC, if required)
Follow the on-screen instructions to complete your basic and, if needed, full KYC as per Niyo’s process.
5. Get Your Joining Bonus
Once your account is successfully created and the referral is validated as per Niyo’s terms, you’ll receive ₹250 in Niyo Coins in your account/rewards section.

FAQ

1. What is the best Niyo referral code right now?

If you’re signing up, you can use Niyo referral code GEMGE520 to get ₹250 in Niyo Coins as a joining bonus (subject to Niyo’s terms and ongoing offer).

2. Where do I enter the Niyo referral code?

You can enter the referral code during the signup/registration flow in the Niyo app, usually where it asks “Have a referral code?” or similar.

3. Is the Niyo referral bonus guaranteed?

The bonus is provided as per Niyo’s current referral policy, eligibility criteria, and offer validity. Make sure you:

Enter the code GEMGE520 correctly -> Complete the KYC / onboarding -> Follow any additional steps Niyo may require

4. Do I need to pay anything to use the referral code?

Entering a referral code like GEMGE520 is typically free. Any charges depend on the specific Niyo product or card you’re opting for as per Niyo’s own terms.


Avoid Club Resorto – Worst Customer Experience Ever

Category : Windows

I had a very disappointing experience with Club Resorto. They initially claimed to offer complimentary couple movie tickets as part of their package, provided we inform them one week in advance. I followed this process properly — emailed them well in time (on October 1, 2025) requesting movie tickets for Lokah Chapter 1 – Chandra at Kochi (PVR Lulu/Oberon/Forum Mall) for October 6, 2025.

There was no response for three days, and when I followed up, I received a generic excuse saying “all slots are fully booked” and to contact them after October 31. This made no sense since the movie was already showing and tickets were still available online. When I asked them to simply share the PVR voucher so I could book directly, they ignored my request.

It’s clear they don’t intend to honor their promised benefits and are only trying to fool customers with fake offers. They can’t even provide a small voucher, let alone real value. It’s a total scam, and I strongly advise everyone to stay away from them.

Below email shows Club Resort is a total scam. They will not even read your email and reply the same thing again and again with stupid excuses.

Save your time and money — you’ll be better off buying your own movie tickets than wasting it on false promises from Club Resorto.

By,

Gem George


Sudheer Kabeer – Unprofessional Behavior

This is an example of the unprofessional behavior I experienced from Mr. Sudheer Kabeer, who describes himself as “an extremely competent IT professional, Hypnotist, and Mentalist” on his WhatsApp profile.

It all started when I suddenly began receiving continuous WhatsApp messages from him. Since I don’t knowingly share my phone number publicly to avoid spam and misuse, I asked him how he got my number so I could be more cautious. Instead of answering, he ignored my question and kept spamming me with self-promotional messages. When I repeatedly asked how he got my number, instead of answering, he asked for my name. This made me wonder if he was sending unsolicited advertisements without even knowing who he was messaging. He then started mocking my genuine concern about how he obtained my contact details.

Upon checking further, I found that he works in IT and runs a YouTube channel (https://www.youtube.com/@IamSudheerKabeer) with a significant number of subscribers. It was surprising to see someone in his position act so unprofessionally. It turned out that he stole my number from a group I had joined and was using it for advertising purposes without consent. Just as he stole my number, it’s possible he also took other people’s numbers from WhatsApp groups without permission and used them for illicit business or marketing purposes. This is a clear violation of your privacy and could be considered misuse of your personal information.

Full message conversation can be viewed in the below video

If you receive unsolicited messages from unknown contacts, especially for promotional purposes, it’s important to protect your privacy. Avoid sharing your phone number publicly and always be cautious about who you share it with. If someone messages you unexpectedly, ask how they obtained your number; a genuine professional will provide a clear response. If the person continues spamming or fails to answer your questions, block and report them. Additionally, be aware of privacy laws in your region that protect against unauthorized use of your contact information. If the misuse continues, especially for commercial purposes without your consent, you could file a complaint under data protection laws or cybercrime laws. Stay vigilant and share your experiences to help others avoid similar situations.

If you perform activities like this, it is important that you understand the legal implications outlined below:

IT Act, 2000:
Section 66C: Identity theft, including using someone else’s information without consent.
ection 43 — Unauthorized Access and Data Theft, including accesses, extracts, or misuses data (such as phone numbers) without authorization, they may be liable to pay compensation up to ₹5 crore to the affected person.

Bharatiya Nyaya Sanhita (BNS), 2023:
Section 302: Punishment for theft, applicable in cases involving unauthorized access and extraction of data.
Section 354: Addresses acts intended to insult the modesty of a person, particularly applicable if the communication is harassing or inappropriate.
Section 354E (Stalking): Sending repeated messages without consent can be considered stalking, punishable with imprisonment or a fine.

TCCCPR, 2018:
Sending unsolicited commercial communications (spam) without consent is illegal, and penalties can be imposed on the sender.

Violation of Privacy (Article 21 of the Indian Constitution)
Collecting personal data (like phone numbers) without consent breaches this right.

WhatsApp’s Terms of Service
Violates WhatsApp’s terms and policies, which could lead to account suspension or banning.

Article Written by:
Gem


Report any policy violation at contact@techipick.com