Top 15 Refer and Earn Apps in India for 2025

Who would have thought making extra money could be this simple? If you’re looking for easy ways to earn on the side, you’re in the right place!

Did you know that the apps already installed on your phone can help you make money? Yes, it’s true! Many popular apps, from food delivery services like Swiggy to digital payment platforms like Paytm, offer referral programs. With just a few clicks, you can share your referral link and start earning rewards.

In this blog, we’ll walk you through some of the best refer-and-earn apps in India and how you can use them to generate income. But before we get into the list, let’s take a quick look at the benefits of using these apps.

Why Should You Use Refer and Earn Apps?

1. Easy to Get Started
You don’t need any special skills or investment to begin. Just sign up for an app, grab your referral link, and share it with friends and family. Once they sign up using your link, you start earning!

2. High Earning Potential
Some apps offer impressive commissions, even up to 100% on referrals. The more people you invite, the more money you can make. With consistent effort, this can turn into a great side income.

3. Earn Passive Income
Once you’ve shared your referral link, you don’t have to do anything extra. Every time someone joins using your link, you earn rewards—effortless income at its best!

4. Promote What You Love
These apps let you share products and services that you genuinely like. This makes it easier and more enjoyable to spread the word, as you’re recommending things you trust and believe in.

5. Work on Your Terms
Refer and earn apps give you complete flexibility. You can work whenever you want, without any fixed schedule or commitments. This makes it a perfect option for students, homemakers, or anyone looking for an extra income source.

With so many benefits, there’s no reason not to take advantage of these programs. Stay tuned as we explore the top refer-and-earn apps in India and how you can make the most of them!

Looking for ways to earn extra cash? Many apps offer referral programs where you can invite friends and earn rewards when they sign up. Whether it’s through affiliate marketing, stock investments, or digital payments, these platforms provide an easy way to boost your income. Let’s explore some of the best refer-and-earn programs available today.

Best Refer and Earn Apps in India – Get Rewards for Referring Friends

Looking for easy ways to earn extra cash or rewards? Refer and earn apps are a great way to make money by simply inviting your friends to join a platform. Many companies offer referral programs where you can earn cash, discounts, or other benefits when someone signs up using your referral link. These apps cover different categories, including shopping, payments, food delivery, investments, and more.

Types of Refer and Earn Apps

Different types of apps offer referral rewards based on their services. Here are some popular categories:

Top Refer and Earn Apps in India

Here is a list of some of the best refer and earn apps in India, along with the rewards they offer:

Why Use Refer and Earn Apps?

• Easy Earnings: No investment needed, just share your referral link.
• Variety of Rewards: Get cashback, discounts, free subscriptions, and more.
• Best for Side Income: A hassle-free way to earn extra money.
• No Limit: Many apps allow unlimited referrals, increasing your earning potential.

By using these refer and earn apps, you can make the most out of your connections and turn simple referrals into rewards! 🚀

1. EarnKaro – Share Deals & Earn Commissions

EarnKaro is a popular affiliate marketing platform that collaborates with over 150 online retailers. It allows users to share deals on various products and earn commissions when someone makes a purchase through their link.

Why Choose EarnKaro?

• Partnered with top online retailers.
• Easy to share deals with friends and family.
• Lifetime earnings from referrals.

Referral Program:

• Earn a 10% commission on whatever your referrals earn.
• The more referrals you bring in, the more you earn.

How to Refer & Earn?

1. Go to “My Profile” and select “Refer & Earn.”
2. Copy your referral link and share it via Facebook, WhatsApp, or Telegram.
3. If someone joins EarnKaro using your link, you get 10% of their earnings for life!

App Insights:

2. Groww – Invest & Earn ₹100 Per Referral

Groww is a leading investment platform that lets users invest in stocks, mutual funds, and more. It provides a seamless interface, real-time data, and expert insights for better investment management.

Referral Program:

• Earn ₹100 for every friend who signs up and activates their account.
• The amount is credited to your Groww wallet and can be withdrawn or invested.

How to Refer & Earn?

1. Share your referral link with friends.
2. Ask them to complete the account setup process.
3. Once they activate their stock account, you both receive ₹100.

App Insights:

3. Upstox – Get ₹600 Per Referral

Upstox is a trusted trading platform where users can invest in stocks, mutual funds, and ETFs. It offers one of the highest referral payouts among investment platforms.

Referral Program:

• Get ₹600 for every referral who opens an account.
• The amount can be withdrawn or reinvested.

How to Refer & Earn?

1. Log in to the Upstox app.
2. Tap on ‘Accounts’ and select ‘Rewards.’
3. Share your referral link via WhatsApp or other apps.
4. When your friend signs up, you earn ₹600.

App Insights:

4. PhonePe – Earn ₹75 Per Referral

PhonePe is a leading UPI-based payment app that makes transactions seamless. With its referral program, you can earn money by inviting others to join.

Referral Program:

• Earn ₹75 when a referral links their UPI ID on PhonePe.

How to Refer & Earn?

1. Open the PhonePe app and tap on “Refer & Earn.”
2. Share your referral link via WhatsApp, SMS, or social media.
3. Once your friend adds their UPI details, you receive ₹75.

App Insights:

5. Paytm – Earn Up to ₹50,000 in Referrals

Paytm is one of India’s top digital payment platforms, offering UPI transactions, bill payments, and shopping services.

Referral Program:

• Earn ₹100 per referral.
• You can earn up to ₹50,000 in total.

How to Refer & Earn?

1. Click the “Invite” button and share your referral link.
2. Ask your friend to sign up and make their first UPI payment.
3. You get ₹100 for each successful referral.

App Insights:

6. NordVPN – Get 3 Months Free

NordVPN is a trusted VPN service that enhances online security and privacy.

Referral Program:

• Get 3 months free for every referral.
• Your friend also gets 1-3 months free.

How to Refer & Earn?

1. Share your NordVPN referral link.
2. Your friend must sign up and stay active for 30 days.
3. After 30 days, your free months are credited automatically.

App Insights:

7. Times Prime – Earn ₹350 Per Referral

Times Prime is a premium membership service offering discounts on food, travel, and entertainment.

Referral Program:

• Earn ₹350 for every new paid user you refer.
• Your friend also gets a ₹350 discount.
• Maximum earnings: ₹3,500.

How to Refer & Earn?

1. Open the Times Prime app and tap on “Refer & Earn.”
2. Share your referral link via WhatsApp, Facebook, or SMS.
3. Once your friend purchases a membership, you earn ₹350.

App Insights:

8. Zerodha

Zerodha is one of India’s largest stockbrokers, known for revolutionizing online trading. It offers a seamless platform for investing in stocks, mutual funds, and commodities. With advanced tools for research and portfolio management, Zerodha is a go-to choice for investors.

Refer & Earn Program

Zerodha provides an opportunity to earn through its referral program. When you refer someone, you get 10% of their brokerage fees and 300 reward points that can be redeemed on the platform.

How to Refer & Earn on Zerodha?

• Visit zerodha.com/refer
• Enter your Client ID
• Share your unique referral link via WhatsApp, Facebook, Twitter, or LinkedIn

App Insights

9. My11Circle

My11Circle is a fantasy cricket app where users can create teams, join leagues, and compete with friends. It provides real-time updates, match scorecards, and exclusive cricket insights.

Refer & Earn Program

My11Circle allows you to earn ₹551 per referral without any investment. Simply invite friends, and once they join, you get the reward.

How to Refer & Earn on My11Circle?

• Open the My11Circle app
• Tap on Refer & Earn at the bottom of the screen
• Share your referral link via WhatsApp, SMS, or Email

App Insights

10. Amazon Pay

Amazon Pay is a secure payment service that allows users to make purchases on various online platforms using their Amazon account. It offers a smooth transaction experience with high security.

Refer & Earn Program

Users can earn ₹25 per referral added to their Amazon Pay balance. Additionally, new users receive ₹600 worth of benefits upon UPI registration.

How to Refer & Earn on Amazon Pay?

• Open the Amazon app
• Navigate to Amazon Pay
• Tap on Invite & Earn
• Share the referral link with friends and family

App Insights

11. ySense

ySense is a platform where users can earn money by completing surveys, watching videos, and signing up for different offers. It is a free-to-use program that provides multiple earning opportunities.

Refer & Earn Program

ySense offers a 30% recurring commission on the earnings of your referrals. This means you get a part of whatever your referrals earn on the platform.

How to Refer & Earn on ySense?

• Log in to ySense.com
• Find your unique referral link on the main screen
• Share it with friends via social media, email, or messages

App Insights

12. IIFL Securities

IIFL Securities is a full-service stockbroking platform offering trading in stocks, commodities, mutual funds, and IPOs. It caters to both retail and institutional investors.

Refer & Earn Program

Users can earn up to ₹500 per referral when they invite new users to join IIFL Securities.

How to Refer & Earn on IIFL Securities?

• Download the IIFL Markets app
• Log in using your mobile number
• Go to Refer & Earn
• Get your unique referral link and share it with friends

App Insights

13. CRED

CRED is a platform designed for credit card users, offering rewards for timely bill payments. It also provides credit score analysis and exclusive membership perks.

Refer & Earn Program

CRED allows users to earn between ₹750 to ₹1,000 for each successful referral. The cashback is unlocked once the referred user makes their first credit card bill payment.

How to Refer & Earn on CRED?

• Tap on the Refer option on the homepage
• Share the referral link via WhatsApp or direct invite
• Ensure your friend downloads the app and completes their first bill payment within 48 hours

App Insights

14. EarnEasy

EarnEasy is an app where users can earn Paytm cash by downloading and using third-party apps. It offers a ₹50 signup bonus and ₹15 per referral.

How to Refer & Earn on EarnEasy?

• Open the EarnEasy app
• Click on Refer & Earn
• Share your unique referral code on social media

App Insights

15. Winzo

Winzo is a gaming platform where users can play games like Ludo, Carrom, and Cricket to win real money.

Refer & Earn Program

Winzo allows unlimited referrals, offering ₹55 per successful referral.

How to Refer & Earn on Winzo?

• Open the Winzo app
• Get your unique referral code
• Share it with friends and earn rewards

App Insights

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How Does Referral Marketing Work?

When we hear about referral marketing, the first thing that comes to mind is earning cash rewards. But it’s not just about money—you can also get discounts, gift cards, bonuses, and other perks simply by recommending a product or service to others. So, how does it work?

• Companies set up a referral program where they offer exciting rewards to people who bring in new customers.
• They inform you about this program and the benefits you can earn.
• You share your referral link with friends and family.
• When someone signs up or makes a purchase using your referral, you receive a reward.

Sounds simple, right? Referral marketing is a win-win for both businesses and customers. It helps companies grow by attracting new users, and at the same time, you get rewarded for recommending something you already love. Since people trust recommendations from friends and family, referrals make it easier for new customers to try a product or service with confidence.

Why Are Referrals Such a Powerful Marketing Tool?

Referrals are one of the most effective ways for businesses to grow. Here’s why:

• Trust Factor: People are more likely to trust recommendations from friends or family than ads.
• Real Experiences: Since referrals come from actual users, they carry more credibility.
• Influence: A happy customer can influence multiple people to try a service or product.
• Stronger Relationships: When someone refers a brand, it builds trust and loyalty.
• Effective Growth: Companies can grow faster through personal recommendations compared to traditional marketing methods.

Conclusion

There are countless refer and earn apps available today, each promising attractive rewards. However, not all of them are reliable. To help you get the best experience, we have compiled a list of the top 38 refer and earn apps that are safe, trustworthy, and offer real benefits.

Apart from referral apps, you can also earn money through quiz apps. If you’re interested, check out our blog post where we list some of the best quiz apps in India that let you earn while having fun.

FAQs

Q: Which app gives money for refer and earn?
A: Several apps offer cash rewards for referrals, including EarnKaro, Groww, Upstox, Paytm, and Amazon Pay.

Q: Which app has the highest referral bonus?
A: NordVPN offers one of the highest referral bonuses, giving up to 100% commission when you refer new subscribers.

Q: How do I refer and earn on Google Pay?
A: You can earn rewards by inviting new users to Google Pay. Here’s how:

1. Open the Google Pay app.
2. Click on your profile picture.
3. Tap on “Invite friends, get rewards.”
4. Choose how you want to share the referral link.
5. Tap Send and start earning!

Q: Can we refer and earn in PhonePe?
A: Yes! PhonePe offers referral rewards. Follow these steps:

1. Open the PhonePe app.
2. Tap on “Refer & Earn.”
3. Choose how you want to invite friends.
4. Tap Send and enjoy your rewards!

Q: How does refer and earn work?
A: Refer and Earn programs reward users for bringing in new customers, helping businesses grow while allowing users to earn benefits.

Q: Which payment app gives refer and earn rewards?
A: Many payment apps offer referral bonuses, including Google Pay, PhonePe, Paytm, and Amazon Pay.

By using the right referral apps, you can turn simple recommendations into real rewards without any extra effort! 🚀