I have signed up for Elastiq using one of the referral codes here, and it seems to me that the only certain thing I am getting is the $100 from Etiqa. For the Policy Pay P$30, I am still in a loss about how do i actually get $30 cash into my bank account. I am playing the games/quizzes in Policy Pal app, and I am nowhere close to P$30. I was also given an initial information which led me to think that the $30 is cash and rather fussfree, which isnt really the case.
I reckon that it is much simpler to use the Etiqa website itself without PolicyPal.
Use the referral promo code, which the referrer will get encashable $50 (and he will likely suggest to split with you), and you yourself will get 0.5% non-encashable etiqa credits, Plus the $100 signup bonus, if you put $26,000.
Not here for personal attacks. Just my point of view and I am open to be corrected.