Top 20 Refer and Earn Apps In India 2025 (₹550 Daily*)
There are many earning apps available on the internet where you can make money by completing different types of tasks. Among all the methods to earn money from these apps, earning through referrals is considered one of the best options. Nowadays, many apps offer ₹1000 to ₹2000 for a successful referral. In this guide, I’ll share the top 20 Refer and Earn apps that allow you to earn decent money without any investment, or in some cases, without KYC. You can transfer the earnings directly to your bank account.
Whether you are a student, housewife, or working professional, anyone can use these Refer and Earn Apps part-time and earn extra income from their mobile, sitting at home. All you need to do is refer these apps to your friends, colleagues, family members, or anyone else. The more people who download and set up the app using your referral link, the more money you can earn.
What Are Refer and Earn Apps and Their Types?
Refer and Earn apps let you earn money by sharing the app with others. You get a unique referral link, and when someone uses it to download the app and completes a task (like shopping or signing up), you earn a commission. There are different types of these apps, such as cashback, gaming, rewards, and survey apps, each offering different ways to earn.
| Category | Examples | How it works |
|---|---|---|
| Cashback Apps | EarnKaro, CashKaro | Refer friends and earn commission on their first purchase. |
| Gaming Apps | MPL, Zupee, BigCash | Refer friends to play games. Earn commission on sign-up. |
| Rewards Apps | Swagbucks, Taskbucks | Invite friends and earn rewards for completing tasks. |
| Survey Apps | Google Opinion Rewards | Refer friends. Earn rewards for successful referrals. |
| Online Shopping Apps | Amazon Pay, Flipkart | Refer friends to shop and earn rewards on their purchases. |
| Payment Apps | Paytm, PhonePe | Refer friends. Earn rewards for their first transaction. |
| Travel Apps | Uber, Ola | Refer friends. Earn rewards on their first ride. |
Top 20 Refer and Earn Apps In India 2025
| Refer and Earn Apps | Referral Commission |
|---|---|
| Upstox | Up to ₹1,200 |
| 5Paisa | ₹300 |
| Gromo | ₹2,100 |
| Paytm | ₹100 |
| Zerodha | 10% commission + ₹300 points |
| Google Pay | ₹201 |
| PhonePe | ₹100 |
| CRED | Up to ₹1,000 |
| Amazon Pay | ₹25 |
| IIFL Securities | ₹500 gift voucher |
| Mobikwik | ₹20 |
| MPL | Up to ₹10,000 |
| ySense | $2 + 20% Commission |
| Zupee | Up to ₹105 |
| WinZO | ₹50 |
| BigCash | ₹20 |
| Roz Dhan | ₹8 |
| Pocket Money | Up to ₹160 |
| Frizza | 50,000 coins + ₹15 |
| Cashboss | ₹5 |
1. Upstox
Upstox is one of the best refer and earn apps in India, providing users with the ability to trade in the stock market and invest in mutual funds and IPOs. Through its referral program, you can earn ₹500 to ₹1200 per successful referral when the person you refer opens an account on Upstox. These rewards vary depending on ongoing promotional offers. Additionally, new users who sign up via referral links often receive exclusive benefits like free Demat account openings, zero brokerage for certain months, or vouchers, making it beneficial for both referrers and referees.
Referral Process
- Log in to the Upstox app using your account credentials.
- Click on the ‘Rewards’ option in the app.
- Share your referral link via WhatsApp or other social media apps.
- Once someone uses your link to open an account on Upstox and completes their KYC, the reward will be credited to your wallet.
Try: Daily 100 Rupees Earning App Without Investment
2. 5Paisa
5paisa App is one of India’s leading platforms for trading, investments, and mutual funds. Apart from its core services, it’s also considered one of the best Refer and Earn Apps. Users can earn ₹300 referral credit for every successful referral when their friend downloads the app using their link, creates an account, and completes their first trade. Additionally, the earned referral credits can be used for trading fee discounts or redeemed as cashback into your account. Make sure your friend completes their KYC process for the referral bonus to be valid.
Referral Process
- Open the 5Paisa App and go to the Profile section.
- Click on the Refer and Earn option.
- Share your referral code or the referral link with your friends. You can directly share it via WhatsApp or any other platform.
- Once your friend registers using your referral code and completes their first trade, you will receive the referral bonus in your wallet.
3. Gromo
Gromo App is a money-earning app where you can sell various financial products like credit cards, loans, and savings accounts to earn commissions. It also offers an excellent opportunity to earn through referrals. By referring this app, you can earn up to ₹2100 per referral. However, there’s a condition: your referred friend must sell at least 5 financial products within 30 days of creating their account. Additionally, the earnings may vary based on the type of products sold and their completion status. Ensure you verify the referral conditions and payout details on the app for updated information.
Referral Process
- Download the Gromo App and create an account.
- Open the app and go to the home page.
- Look for the Refer and Earn option and click on it.
- You will receive your referral code, which you can share through WhatsApp or any other app to invite friends.
4. Paytm
Paytm is a highly popular digital payment platform in India. It offers a variety of services like money transfers, bill payments, mobile recharges, DTH recharges, and shopping. Additionally, Paytm’s referral program is one of the best, as it allows you to earn up to ₹100 per referral. When someone downloads the Paytm app using your referral link, creates an account, and completes their first transaction, you earn ₹100.
Referral Process
- Open the Paytm app and sign in to your account.
- Click on the search bar and type “Refer & Win”.
- Select the “Refer & Win” option from the results.
- Share your referral link through WhatsApp, SMS, a referral QR code, or other available methods.
- Once your friend signs up on Paytm and completes their first transaction, the referral amount will automatically be credited to your Paytm wallet.
5. Zerodha
Zerodha is a popular Indian stock brokerage platform where you can trade and invest in various financial products. The app offers an excellent Referral Program, which allows you to earn rewards when you invite your friends to join. If your friend signs up on Zerodha using your referral link and creates an account, you earn 10% of their brokerage fees as commission. You can withdraw these earnings to your bank account or use them for trading. Additionally, you also get 300 reward points, which can be redeemed for exclusive benefits on the Zerodha platform.
Referral Process
- Open the Zerodha app.
- Tap on the menu option (three lines).
- Click on the “Refer and Earn” option.
- Share your referral link with anyone via WhatsApp or other platforms.
- When someone creates an account on Zerodha using your referral link, the commission will be added to your wallet.
Important Note: The referral commission is applicable only to the brokerage fees and not any other charges. Ensure your friend completes the full KYC process for their account to be active.
6. Google Pay
Google Pay is a popular digital wallet and online payment app in India. It is also one of the best Refer and Earn apps. It runs a high referral program to increase its user base. When your referred friend creates an account using your referral link, you get ₹201 as real cashback, which is credited directly to your bank account. Additionally, when your referred friend makes their first transaction on the app, they receive ₹21.
Referral Process
- Open the Google Pay app and create an account.
- Go to the home page of the app.
- Look for the Refer and Earn option and click on it.
- Copy your referral code and click on Invite.
- You will see various social media platforms where you can share your referral code. You can choose any platform to refer the app to your friends.
7. PhonePe
PhonePe is a widely used digital payment platform in India, offering its users seamless online money transfer and bill payment services. It is also known as one of the best Refer and Earn Apps. PhonePe provides a high-commission referral program where users can earn ₹100 for every successful referral. To qualify, your friend must create an account using your referral link and complete a transaction. The referral bonus is directly credited to your PhonePe wallet.
Referral Process
- Open the PhonePe app on your mobile.
- Tap on the “Refer and Earn” option.
- Copy your unique referral link from there.
- Share this link with your friends via WhatsApp, SMS, or other platforms.
8. CRED
CRED is a credit card bill payment platform where you can pay your credit card bills and other utility bills. By doing so, you can earn cashback, rewards, and gift cards. The app offers an excellent Refer and Earn program. If a friend downloads the app using your referral link and makes their first transaction through the app, you can earn up to ₹1000 as referral commission.
Referral Process
- Open the CRED App.
- Go to the Explore CRED section and click on View All.
- Select the Refer and Earn option.
- Tap on Invite via WhatsApp to share your referral link.
- When your friend downloads the app through your referral link and completes their first transaction, the referral commission will be credited to your wallet.
Additionally, referral rewards may vary based on ongoing promotional offers. Ensure your friend signs up with the same phone number linked to their credit card for successful referral tracking.
9. Amazon Pay
Amazon Pay is a trusted and secure digital payment app that allows users to make payments, pay bills, recharge TV and mobile, book gas cylinders, hotel bookings, train and bus tickets, and more. Additionally, you can earn up to ₹25 per referral by sharing the app with your friends. The amount you earn is directly added to your app wallet.
Referral Process
- Open the Amazon app.
- Click on the Amazon Pay option.
- In the search bar, type “Invite and Earn” and search.
- Click on the “Invite and Earn” option.
- You will see your referral code, which you can share with your friends.
10. IIFL Securities
IIFL Securities is a full-service stockbroker where you can trade and open a free Demat account. It also offers a Referral Program that allows you to earn ₹500 gift vouchers for each successful referral. However, a referral is considered successful only if your friend downloads the app using your referral link and completes trades worth ₹1000 within 30 days. Make sure to check the app for updated terms and conditions regarding the referral rewards and usage of gift vouchers.
Referral Process
- Open the IIFL Securities App.
- Navigate to the Referral section.
- Find your referral link in this section.
- Share the link with your friends through WhatsApp or any other app.
11. Mobikwik
Mobikwik App is a digital wallet app that offers services like money transfers, mobile recharges, bill payments, shopping, and investments. If you sign up using someone else’s referral code, you get ₹20 as a signup reward. Similarly, if someone creates an account using your referral code, completes KYC, and makes a minimum transaction of ₹25, both of you receive ₹20 each. Note that the rewards are subject to terms and conditions, so make sure to check the app for updated policies and details.
Referral Process
- Open the Mobikwik App and sign in.
- Go to the home page and click on ‘All Services.’
- Scroll down to find the ‘Offer For You’ section.
- Click on ‘Refer and Earn.’
- Tap on ‘Refer Now’ to share the app via WhatsApp or other platforms.
12. MPL
MPL is an online gaming platform where you can play games and win prizes worth crores of rupees. It is also considered one of the best Refer and Earn Apps. By sharing this app with your friends, you can earn up to ₹10,000 per successful referral.
When your friend signs up on MPL using your referral, both of you receive ₹5. Additionally, when your friend adds money to their wallet for the first time, both of you get 5% of the added amount, capped at ₹50. After this, whenever your referred friend plays cash games on MPL, you earn 25% cashback or up to 10,000 MPL coins. Meanwhile, your referred friend gets 15% of their margin back as a reward.
Referral Process
- Open the MPL app and create your account.
- Tap on the menu icon (three-line option).
- Select the Refer & Earn option.
- Share the app with your friends via WhatsApp or other platforms and start earning.
13. ySense
ySense is a popular app that allows you to earn money by completing tasks. You can participate in surveys or complete tasks to earn money. Additionally, ySense also offers a great referral program to help you earn more.
When your referred friend signs up using your referral link, you earn between $0.10 to $0.30. After that, when your friend earns their first $5, you get a $2 bonus. Furthermore, you will earn a 20% commission on all the money your friend makes by completing surveys or playing games.
Referral Process
- First, open the ySense App and create an account.
- Then, click on the three-line menu at the top of the screen.
- Select the Affiliate option.
- Click on the Affiliate Program option.
- You will then receive your referral code.
- Copy this code and share it with your friends.
14. Zupee
Zupee is a popular gaming app where you can play a variety of games to earn money. It’s also a great Refer and Earn app. I say this because you can earn ₹105 for every successful referral.
However, you don’t receive the full amount at once. When your referred friend downloads the app using your referral link and enters your referral code, you earn ₹5. Your friend also gets ₹10 for signing up. After this, when your friend deposits money in the app, you will earn 20% of the deposit amount. This continues until you accumulate ₹100. It’s important to make sure your friend enters the referral code while signing up, or you won’t receive the referral commission.
Referral Process
- Download the Zupee App on your mobile and create an account.
- Go to the app’s home page.
- Click on the “Refer” option.
- You can now refer the app through WhatsApp or any other social media platform.
15. WinZO
Winzo is one of the popular gaming apps in India where you can play fun games like fantasy cricket, basketball, ludo, and earn money. Additionally, you can earn ₹50 per successful referral by inviting your friends to the Winzo App. To get the referral commission, your friend must download the app using your referral link and play games within the app.
Referral Process
- First, download the Winzo App from the official website.
- Open the Winzo App and create an account.
- Click on the Refer option.
- Then, click on Refer Now.
- Share the app link on WhatsApp, which will generate your referral link.
- You can then directly share this link with your friends or relatives.
16. BigCash
Big Cash App is a popular gaming platform where you can earn real money by playing games and participating in tournaments. Additionally, it is considered one of the best Refer and Earn Apps because it allows you to make money by referring it to others. For each successful referral, you instantly earn ₹20. As soon as your friend downloads the Big Cash App using your referral link and signs up, you receive your referral bonus.
Referral Process
- Download and sign in to the Big Cash App.
- Go to the homepage and click on the Menu option.
- Select Invite and Earn from the menu.
- Click on Share on WhatsApp.
- Share the app with your friends and relatives using the link provided.
Additional Note: Ensure that your referrals complete the sign-up process correctly for you to receive the referral bonus. Earnings can be transferred to your wallet or bank account once your balance reaches a minimum of ₹100.
17. Roz Dhan
Roz Dhan is an Indian money-earning app where you can earn money by signing up, playing games, watching videos, reading articles, sharing articles, and referring the app to others. It also offers a Referral Program. Under this program, you earn ₹8 for every successful referral. Additionally, when your referred friend makes any payment using the app, you earn extra money as well.
Referral Process
- First, download the Rozadhan app from the Play Store.
- Open the app and log in to your account.
- Go to the home page and click on the “Me” option.
- Then, click on the “Invite Friend” option.
- Click on “Invite Now.”
- You can now refer your friends to the Rozadhan app.
18. Pocket Money
Pocket Money is an amazing money-earning app where you can earn by completing daily tasks, playing games, and referring the app to others. By referring this app, you can earn up to ₹160 daily. When your referred friend downloads the app using your referral link and completes their first task, both of you earn ₹5. Additionally, once your friend earns ₹40, both of you will get ₹5 more.
Note: You need a Paytm-linked mobile number to sign up for the app.
Referral Process
- Download the Pocket Money app.
- Open the app and sign up.
- Go to the home page and click on the “Refer and Earn” option.
- You will get your referral code, which you can share with your friends.
19. Frizza
Frizz App is one of the best earning apps (without investment). Here, you can earn money by completing tasks. Additionally, you can earn a good income by referring others to the app. When your referred friend creates an account on the app, you get 1000 coins, and your friend gets 500 coins.
Once your friend completes their first task, you will earn 50,000 coins and ₹15, while your friend will earn 20,000 coins and ₹5. Moreover, you can earn a lifetime commission of 10% on your friend’s earnings. Make sure to keep track of the rewards as they can vary based on the tasks completed.
Referral Process
- Open the app and create an account.
- Go to the home page of the app.
- Click on the Refer and Earn option.
- Copy your referral code and share it with your friends.
20. Cashboss
Cashboss is also a money-earning app where you can earn by referring, playing quizzes, games, and spinning wheels. When you share the app with your friends and they download it using your referral link and complete a task, you earn ₹5 per referral.
Referral Process
- Open the Cashboss app and sign up.
- Go to the home page of the app.
- Click on the menu option (three lines).
- Tap on Refer and Earn.
- You can share your referral code or directly refer via WhatsApp.
How to Choose the Best Refer and Earn Apps?
When selecting a Refer and Earn app, it’s important to consider several key factors to ensure you get the best experience and returns. make sure the referral process is straightforward, so you don’t have to go through complex steps to earn your commission.
- High Referral Bonus: The referral commission should be high enough to make the effort worthwhile.
- Minimum Referral Threshold: The minimum limit to withdraw the money earned from referrals should be low, making it easier to withdraw your earnings.
- Direct Bank Transfer: You should be able to transfer the money earned through referrals directly to your bank account.
- Simple Referral Process: The referral process should be easy, meaning that the referred user only needs to create an account or complete a simple transaction for you to earn the commission.
- Trustworthiness: The app should be reliable and trustworthy, with positive reviews and a good reputation in the market.
- User-Friendly Interface: The app should be easy to navigate, making it hassle-free to refer and earn.
- Frequent Promotions: Apps that offer additional bonuses or promotions for referrals can help you earn more.
How much can you make from these Refer and Earn apps?
Refer and Earn apps offer different earnings per referral based on the task difficulty. Apps that offer higher commissions, like Zerodha (with 10% commission), typically require more effort, such as completing specific tasks or referring more people. On the other hand, apps with lower commissions, like Google Pay or PhonePe, have simpler referral processes and can be easier to use but offer smaller rewards. Depending on the app you choose, you can earn anywhere from ₹100 to ₹1,200 per referral. If you’re willing to invest more time and effort, you can earn higher amounts per referral, but with simpler apps, the process is quicker and easier.
Is it safe to use these Refer and Earn apps?
Yes, many Refer and Earn apps are safe to use, especially the well-known ones like Paytm, Google Pay, and Zerodha. However, it’s important to be cautious and do some research before using any app. Make sure to download apps from trusted sources like the Google Play Store or Apple App Store to avoid scams. Avoid apps that promise unusually high earnings with little effort, as these could be risky or unreliable.
