trry1969 Thank you for contacting the giffgaff Community.
You Get 500 points per referral, you can check your recruits here : https://giffgaff.com/spread/recruits
Payback points earned each month including SIM activation's are applied to accounts around the 5th - 12th of the following month and you should see them update on your Dashboard here : https://giffgaff.com/dashboard, scroll down to the bottom of the Page to see Payback section of the page!
The payback points can be claimed in the payback periods in the months of June and December each year!
Payback will start to be paid out to Members around Mid-June and Mid-December for each period (It's paid out twice a year).
Before the payback points are paid out you will need to select on how you want them paid out. The points can be claimed here https://giffgaff.com/profile/choose-payback-method as cash (Paypal £10 minimum required), airtime credit or you can donate to charity.
Cash: This is paid via PayPal Instant Payment, you will need to add your PayPal email address (for your active PayPal account) via the Payback widget. You can only select cash if you've earned at least 1,000 Payback points. You will not be charged a fee by PayPal to receive it.
Credit: Your Payback points will be added to your account balance as airtime credit.
Charity *: This goes to the charities chosen by giffgaff members. The total amount donated by all giffgaff members will be matched by giffgaff - pound for pound.
For a complete guide on payback check out this https://community.giffgaff.com/t5/Using-giffgaff/Guide-to-payback-points/ta-p/3521553 knowledge base link