Pia Mia's Record Deal -- Thanks, Kardashians ... You Made Me Rich!

Pia Mia knows it pays to keep up with the Kardashians ... the 17-year-old singer/friend of Kendall and Kylie Jenner just signed a recording contract that will make her rich -- not Kardashian rich ... but close enough.

Pia signed a multi-album deal with Interscope which pays 1.3 mil for her first album ... and up to $9 million more if Interscope green lights her next three albums.

And according to the contract -- obtained by TMZ -- she stands to make even more in bonuses ... if the albums are hits.

Pia -- who was born in Guam -- got her start on YouTube and hit it big when Kim K. posted video of her singing a Drake song at Kylie's 16th birthday party -- with Drake and Kanye front and center.