Summary
Arvo Rewards is our loyalty program. You earn AED credits for referring friends and for reaching investment milestones, and you can put those credits toward future investments on the platform. Rewards are not cash: they cannot be withdrawn, transferred, or sold.
How It Works
Your referral code is automatic. A personal code is created when your Arvo account is set up. You can find it in the Rewards section of your Profile.
Redeeming a code. After accepting Arvo's terms and conditions, you can redeem a referral code from the Rewards section of the app. You can redeem only one code, it cannot be changed afterward, and codes cannot be applied retroactively.
Eligibility. You need an active, verified account in good standing to participate.
Referral Rewards
Each successful referral earns a total of 300 AED, split evenly: 150 AED for you and 150 AED for your friend.
For a referral to qualify:
Your friend registers through your referral code or link
You each reach a cumulative investment of at least 500 AED
Each property counted toward the 500 AED threshold completes its funding
Neither of you cancels, refunds, or disputes the related investments
Both accounts remain in good standing when the reward is credited
You only need to meet the 500 AED threshold once. After that, it counts for all your future referrals.
There is no cap on referrals. Every successful referral earns the standard 150 AED reward.
Pending first, spendable later. Once both sides meet the 500 AED threshold, the reward appears as "pending" in your transaction history, visible but not yet spendable. It becomes spendable once each property linked to the qualifying investments completes its funding.
Milestone Rewards
In addition to referral rewards, you can earn one-time bonuses for reaching milestones across three categories: referred users, properties invested, and invested amount. Each category has four tiers, and each tier is earned only once.
Referred users tiers
Tier | Paid referrals | Bonus |
Connector | 5 | 250 AED |
Influencer | 10 | 1,000 AED |
Ambassador | 20 | 2,000 AED |
Arvo Family | 40 | 4,000 AED |
Properties invested tiers
Tier | Properties | Bonus |
Diversified | 3 | 150 AED |
Landlord | 5 | 350 AED |
Power Investor | 7 | 750 AED |
Real Estate Mogul | 10 | 1,600 AED |
Invested amount tiers
These tiers are based on your own cash invested. Reward-funded amounts do not count toward this category.
Tier | Own cash invested (AED) | Bonus |
Investor | 50,000 | 200 AED |
Premium | 100,000 | 500 AED |
Elite | 200,000 | 1,100 AED |
Top Tier | 367,000 | 2,400 AED |
Milestone progress counts only completed, qualifying investments and confirmed referrals. Cancelled, refunded, or disputed investments do not count.
Using Your Rewards
Active reward AED can be applied toward investments at checkout
Rewards are drawn from your oldest-expiring balance first, so you make the most of what you have
Reward AED cannot be withdrawn as cash, transferred to another person, sold, or used outside the platform
Using rewards does not bypass any onboarding, minimum investment, investment limit, or regulatory requirement
Expiry
Reward AED expires after 12 consecutive months without any investing activity. Only completed investments count. Logging in or browsing does not reset the clock.
Expired rewards are automatically removed from your balance and are not compensated. Arvo may send expiry reminders but is not required to, so keep an eye on your balance and expiry dates in the Rewards section.
Program Rules
Self-referrals, multiple accounts, and referring people who do not genuinely intend to use the platform are not allowed
Referral codes and rewards cannot be bought, sold, or traded
Do not make misleading claims about Arvo, any property, or expected returns when referring someone
Arvo may withhold, reverse, or reclaim rewards in cases of fraud, abuse, or error
Reward amounts, milestone tiers, and program conditions may change from time to time. The Rewards section of the app always shows the current amounts and requirements.
Common Questions
What happens to a pending reward if my investment is cancelled?
If the investment linked to a pending reward is cancelled before it is finalized, the pending reward is also cancelled. If you later qualify again through a different investment, a new reward can be created.
Where can I see my rewards balance and history?
In the Rewards section of your account you can view your current spendable balance, any pending rewards, your referral history (shown anonymously), achievements you have unlocked, and your full transaction history including settled, pending, cancelled, and expired entries.
Why can I see a reward but not spend it yet?
Rewards appear in your history as soon as they are promised so you can track them early. They only become spendable once the associated investment is fully finalized, shown as "pending" until that point.
Do rewards make an investment safer?
No. Rewards do not reduce the risk of an investment and should not be the reason you invest. Make investment decisions based on the property documents, fees, risks, and your own circumstances.
Need Help?
All investments carry risk. Real estate price can increase and decrease in value. Past performance is not a guarantee of future returns. Arvo is regulated by the DFSA.