Basic, Premium, and Premium+ FDM members can transfer up to 50 ZCredits per month/per affiliate to any referral as an encouragement to take action, as a reward for an accomplishment, etc. 

To transfer ZCredits, just go to your Referrals Report, click the TRANSFER ZCREDITS link for your chosen referral, enter the amount of ZCredits you want to transfer to them, and click OK. SFI will instantly transfer your number of ZCredits from your account to the account of your referral.

TIP: You can purchase additional packs of ZCredits HERE for as little as $1.69!

Also, you can redeem your Rewardicals for additional ZCredits at the Rewardical Exchange.