30 Best Refer and Earn Apps in India

Refer and earn apps have become increasingly popular in India as they offer a simple way to earn rewards and money by referring friends and family to use a particular app. These apps offer a win-win situation for both the referrer and the referred user. The referrer earns rewards or money, while the referred user gets to use a new app and explore its features.

With the increasing demand for refer and earn apps, several options have emerged in the Indian market. From online shopping and bill payment to gaming and entertainment, these apps cater to a wide range of interests and needs. In this article, we will discuss some of the best refer and earn apps in India that you can use to earn rewards and money. These apps are easy to use, offer attractive incentives, and have garnered positive reviews from users. Whether you are looking to earn some extra cash or explore new apps, this article will provide you with a comprehensive guide to the best refer and earn apps in India.

Top Refer and Earn Apps in India for Easy Rewards and Cash

How does marketing by referrals work?

Marketing by referrals is a strategy that involves encouraging existing customers to refer their friends, family, or colleagues to a business or product. This is often done by offering incentives or rewards to the referrer for every successful referral they make.

Marketing by referrals works because people tend to trust recommendations from their friends and family more than traditional advertising. Referrals also tend to result in higher conversion rates and lower customer acquisition costs for businesses, making it a cost-effective marketing strategy.

Compared to other methods of promoting a product, referral marketing is considered to be highly cost-effective. Unlike traditional advertising, there is no upfront payment required for referral marketing, as the incentive is only provided once a purchase is made. This results in a high return on investment (ROI) over time, as the cost is directly tied to the sales generated through the referral program.

Why do referrals work so well?

Referrals work so well because people tend to trust the recommendations and opinions of their friends and family more than traditional advertising. This is due to the concept of social proof, where people are more likely to believe and act on information if they see others doing the same. When a friend or family member recommends a product or service, it comes with a sense of trust and credibility that is hard to replicate through other forms of marketing.

Additionally, referrals tend to result in higher conversion rates and customer retention rates, as the referred customer is more likely to have a genuine interest in the product or service. This is because the referrer is likely to have recommended the product or service to someone who they think would actually benefit from it, resulting in a more targeted and relevant audience. Referral marketing also allows businesses to tap into a wider network of potential customers, as the referred customer may go on to refer others, creating a cycle of new customers and increased engagement.

30 Best Refer and Earn Apps in India: Get Unlimited Cash Rewards

Here are some of the top-rated refer and earn apps currently available in India that offer a convenient dashboard to track your transactions, referrals, and earnings. This list has been carefully curated after extensive research, ensuring that all the apps mentioned are 100% legitimate and safe. Discover the best refer and earn apps in India below:

1. Paytm Money

Paytm Money App

It is a discount broker application with a good referral program and an attractive pricing structure. The best part is that their brokerage is fixed but relatively low, making it attractive for speculators and day traders. Paytm money would be the right place to start if you are a novice in investing and have little or no knowledge about the stock markets.

The procedure to use the app is relatively simple, all you need to do is open an account with the Paytm app. After that, you need to log in to the Paytm Money software using the same login credentials. Then follow the KYC requirements that enable you to trade actively in the market.

Steps to use the referral system 

  • Download and install the One Code software application.
  • Register by creating an account.
  • Click on the ‘Brands’ option.
  • Use the ‘Demat Account’ option to create an account with Paytm Money.
  • Undergo the familiarization steps and successfully answer the questions that follow.
  • Now tap on the ‘Share Now” button to generate the link to be shared with friends.
  • Done! Once the person receiving the link signs up for a trading account on Paytm Money, the cashback will be credited to the user’s account.
Paytm Money Download 3.9 Ratings

2. Upstox

Upstox App | 30 Best Refer and Earn Apps in India

Upstox is a software used for trading shares and mutual funds in the Indian capital markets. It also has a referral program that allows users to earn rewards by sharing their referral code with friends. This program is considered one of the best refer and earn apps in India.

Upstox offers a referral commission of 200 rupees for each participant who opens a trading account after completing the formalities. The commission is credited to the referrer’s account after the first referral.

The referral system

  • Download the Upstox app and install it on your mobile phone.
  • Create a trading account by following the steps laid out and uploading the necessary documents.
  • Once the account has been created and uploads the necessary documents, the user has to navigate to the profile icon on the dashboard.
  • Click on the Refer and Earn tab.
  • It generates the referral link that is shared on Whatsapp numbers or groups or as an SMS.
  • Once your friends click on the link sent to them and create an account with Upstox, the 200 rupees will be credited to your account.
  • On an investment of sums of money in the new account, the original referrer gets to earn an extra 100 rupees.
  • The Upstox dashboard updates a user’s referral earning by going to the ‘Referrals’ tab.
Upstox Download 4.6 Ratings

Also Read: 16 Best Ludo Earning Apps to Win Money

3. ySense

ySense Survey

ySense is an excellent refer and earn apps in India as it provides an opportunity to complete surveys and by referring others to their website or app. They have an attractive referral system as they pay a 30% commission to the referrals, which is pretty huge.

ySense is an online community that offers multiple earning options. One of the best things about ySense is that there is no charge for participating in surveys or playing games. Users can earn money by completing online tasks such as taking surveys, completing offers, viewing ads, referring friends, and more. Users can also make money on ySense by various other methods such as watching videos, signing up for various websites, and downloading apps under ySense offers.

ySense Download 2.9 Ratings

4. IIFL Securities

IIFL Securities  | 30 Best Refer and Earn Apps in India

IIFL Securities is a leading stockbroker in the Indian Capital Markets. They have a referral program that encourages existing customers to promote their services to earn some extra money. They render their users with equity delivery trading for free, which means no brokerage for it, but there is a charge of Rs.20 for all other trading activites.

There referral program is quite lucrative as they pay Rs.500 as a referral reward for every successful referral. They sent you a gift voucher within seven working days and you can use it within 60 days of the credit of the voucher. You should know that you only get paid when the referred person opens a demat account, download the app and start trading on it.

IIFL Securities Download 4.4 Ratings

5. PhonePe


This refer and earn app boasts a user-friendly interface that allows you to transfer money from your bank account to any other account in a matter of seconds. With this app, you can make a variety of payments, including bank transfers, bill payments, in-app purchases, investments, gold purchases, and more.

It is the second most used UPI app in India; Google Pay is the first. This app pay you Rs.125 in your PhonePe wallet for every successful referral. You can transfer your referral earnings to your account without any hassle within seconds.

PhonePe Download 4.4 Ratings

6. Google Pay

Google Pay

Google Pay, earlier referred to as Tez, is a mobile payments service by Google targeted at users in India. It enables users to do financial transactions easily from their mobile phones. Users can transfer money in numerous ways, and transferring money from one account to another has streamlined like never before because of this amazing app.

Google Pay allows users to earn a scratch card for every transaction they do for more than Rs.150, which is why people opt for it. Users can use the scratch card to win rewards, and the rewards are added to the user’s bank account. Google Pay also has an excellent refer and earning scheme, but it changes from time to time. Usually, the referral commission amount ranges from Rs.150 to Rs.180 per referral. Previously, they were paying Rs.201 for a referral.

Google Pay Download 4.4 Ratings

7. Amazon Pay

Amazon Pay | 30 Best Refer and Earn Apps in India


Amazon Pay provides an excellent referral program, allowing you to earn a ₹75 cashback into your Amazon Pay Balance when a friend registers through your link and completes their first transaction using Amazon Pay. Additionally, your friend will also receive a reward of Rs. 125 in their account. It’s important to note that the referral program is subject to terms and conditions.

It is important for you to know whether the person to whom you refer Amazon Pay already has an Amazon UPI account or not. If they already have an account or the first transaction is unsuccessful, you will not receive any payment. It is essential for them to complete their first transaction, which means making a payment.

Amazon Pay Download 4.1 Ratings

Also Read: Top 25 Money Earning Apps In India

8. CreditMantri


This app provides its users with a reward of Rs.100 Paytm cash if they provide 3 successful referrals. The significant role of this app is to help check your credit score and make your credit score better. It aids users to bring the eligible loan amount and giver. On this app, you can compare the loan details from different providers and opt for the one that offers you a loan with the minimum interest.

There is no limit to the invites you can send, which means that you have great earning potential with them. Signing up with them is pretty easy as all you need to do is enter your mobile number and verify it with OTP, fill in your details, and that’s it; now, you can start referring your friends and make money.

CreditMantri Download 4.1 Ratings


Cred App | 30 Best Refer and Earn Apps in India

Cred is a popular app that allows users to pay and manage their credit cards, while also monitoring expenses and keeping track of transactions. It’s considered one of the best refer and earn money apps because it rewards users for paying their credit card bills on time. These rewards come in the form of points, which can be redeemed for various items available within the app.

In addition to its payment and tracking features, the Cred app also helps identify any unnecessary deductions from your account that you may have missed otherwise. For every referral made, the app offers 10 cred coins, which can be redeemed for gift vouchers from Amazon, Flipkart, and Uber worth Rs. 1000, 500, and 150, respectively.

CRED Download 4.8 Ratings

10. TaskBucks


It is one of the oldest and most reputable refer and earn apps which was established back in 2015. This is the perfect app for people who wish to earn money online as they offer numerous ways compared to other money-earning apps. You can earn money using this app by completing quizzes, installing apps, playing games, completing small tasks, inviting friends & earning referral rewards, and earning free Paytm cash.

It supports both Android and iOS operating systems which means that all you need to do is download the app and start earning. They have a good referral program, all you need to do is refer it to your friends, and when they join TaskBucks, you are paid Rs.25 for every referral.

TaskBucks Download 4.0 Ratings

11. RozDhan

It is a renowned app that was established in 2018; they also provide free Paytm cash to users for watching videos, playing games, reading articles, referring it to friends, etc. They provide daily new and entertaining content to its users, such as viral videos or rending articles. They pay Rs.50 to sign up plus Rs.30 for free for the first-time login app. You can redeem the money only if you have a minimum balance of Rs.200. For every successful referral, you get Rs.12 in your RozDhan account, and the good part is that whenever your referral makes a payment through RozDhan, you will make money every time. You can withdraw the money instantly via Paytm or UPI.

RozDhan Download 3.8 Ratings

12. Pocket Money

It is one of the most reliable and best refer and earn apps, with over 10 million app downloads, plus a good rating of 4.2 on the Google Play Store. With this app, you can earn mobile recharge and up to Rs.500 cash by doing simple tasks. You will be amazed to know that they pay Rs.30 for every referral that downloads the Pocket Money app; the maximum daily earning limit is Rs.160.

You can also save money with the exquisite discounts and offers they provide on food, e-commerce, or traveling by using the coupons they provide. The various tasks you can do on Pocket Money and earn commission are completing daily challenges, playing games, watching videos, etc.

Pocket Money Download 4.3 Ratings

13. Cubber

This is not just a refer and earning app, but with the help of this app, you can earn cash back for making bill payments, doing mobile recharge, etc. Cubber is an online multi-purpose and socio-economic payment app where you can shop, purchase, do bus ticket booking and pay for many service bills.

The D&K group launched this app in 2016 with a vision of making it a multi-purpose online payment platform. For using this app, you need to first download it. After that, open the app and put in your details like mobile number, name, password, email address, and referral code, and your account will be created. You can start referring your friends and earn up to Rs.50 per referral.

Cubber Download 3.9 Ratings

Also Read: 42 Games That Pay Real Money

14. MobiKwik

It is a payment app that enables users to do various things such as online money transfers, bill payments, recharge, and invest money in digital gold, stock market & mutual funds. They have recently started with a refer and earn program in which they offer Rs.50 as a signup bonus and Rs.20 per referral if your referral starts inviting friends. If you refer your friends to transfer your MobiKwik wallet to your Bank, then also you will earn ₹100 cashback in your wallet.

They have set a maximum limit of Rs.1500 as maximum earnings. For using this one of the best refer and earn money apps, just download it on your phone, create an account using your mobile number, link your bank account and set up your UPI pin.

MobiKwik Download 4.3 Ratings

15. Groww

It is a mutual fund app that enables you to open a free Demat account and trade BSE & NSE listed stocks in the share market at a very less brokerage on the stock orders. With the help of this app, you can invest money in the stock market, mutual funds, and digital gold. Opening a Demat account is pretty easy with them and can be done within minutes.

They pay Rs.100 for a new referral once they signup from your link and activate their stocks account. The best part is that the money is deposited straight away to both of your Groww wallets. If you do not make any transaction, then the referral money will automatically be deposited to the linked bank account within a couple of days.

Groww Download 4.4 Ratings

16. Meesho

It is one of the best refer and earn apps in India where you can make money by referral and reselling products. It is also known as India’s number 1 reselling app; on Meesho, you can earn money by reselling products and by referral as well. On this reseller app, people can drop ship products.

The process is pretty simple; you sell Meesho products to your customers and get a commission. By referring the Meesho app to your friends, you earn a commission for every sale done by them. You can earn up to Rs.25,000 per month by selling Meesho products and also make money by completing daily tasks.

Meesho Download 4.3 Ratings

17. My11Circle

It is a wonderful fantasy sports app where you can play football, cricket, carrom, and rummy. If you are a fantasy sports lover, you would be aware of this gaming application. My11Circle is also called Rummy Circle or Sourav Ganguly fantasy cricket app. This app pays a cashback of Rs.551 straightaway to your bank account.

My11Circle, one of the best refer and earn money apps, has a fantastic referral program that helps you make real money. It is a better app than other similar fantasy apps that just offer bonuses on referrals, but My11Circle provides real money that you can withdraw from your bank account whenever you want. It is mandatory to verify KYC to withdraw the money from your bank account.

My11Circle Download 4.2 Ratings

Also Read: 30 Easy Ways to Get Free PayPal Money Instantly

18. EarnKaro

If you want to earn sitting at home, you can join their affiliate program as they have an easy approval process and various products that you can sell and earn a good amount of money. For joining their affiliate program, you need to first apply for approval. Usually, you get the approval within minutes; you will not have to wait long for it with this one of the best refer and earn apps.

Once you get the approval, you can start promoting products on your social media channel or website and start making money. You can also make money by referring the EarnKaro app to your friends and family; you earn 10% of your referral’s profit forever. They have a minimum withdrawal limit of Rs.10; you can withdraw your earnings directly from your bank account.

EarnKaro Download 3.9 Ratings

19. Vision11

If you are a fantasy sports lover, it is one of the best refer and earn money apps for you. It is a fantasy cricket app where you can play games like football, cricket, baseball, basketball, handball, etc. You can play matches and earn real cash. You can also make money by referring the app to your friends; it offers Rs.100 bonus that you can use for playing games.

They also offer a 20% commission on your friend’s deposit that will be credited into your winning wallet. You can withdraw the money from your bank account or can keep them in your Paytm wallet.

Vision11 Download 2.3 Ratings

20. Batball11

It is another fantasy app where you can play fantasy cricket and make real money. They provide different levels of fantasy games where you can play fantasy sports with exciting offers and unique features. They also provide a joining bonus of Rs.50in your Batball11 wallet. Furthermore, you can also make money by referring this app to your friends and family members.

People prefer this app because once referred users download the app and deposit a minimum of Rs. 20, you and the referred user will get 50 INR Rewards each in your wallet. There is no limit on the earnings which means an infinite number of referrals can be referred. And because of these features, it has become one of the best refer and earn apps in the market.

Batball11 Download 3.8 Ratings

21. 5Paisa

It is a stock brokerage platform that charges a flat brokerage fee regardless of the commodity, size, or trade exchange. There are no account opening charges, but they take Rs.10 for every executed order for mutual fund investment. They have a wonderful referral program where you can earn Rs.500 for every referral and earn up to a 40% brokerage fee for a lifetime.

With 5Paisa, you can also purchase regular and direct mutual funds, but you will have to pay some AMC charges. The various benefits of this platform are: A Demat account can be created within 5 minutes, no brokerage on trading, and can invest in stocks, futures, commodities, options, currency, and MCX commodities.

5Paisa Download 4.3 Ratings

22. EarnEasy

It is one of the best refer and earn apps as you can make money by completing various tasks. The tasks they offer are straightforward and simple, and if you have a couple of hours free, such as while traveling, etc., you can use this app to make money. They have an excellent referral program where you can earn Rs.15 for every referral.

There is no minimum withdrawal limit; you can withdraw in a Paytm wallet, UPI, or bank account. To start with their referral program, you need to download the app and create an account by providing your mobile number, name, and email address. Once the account is created, click on ‘refer and earn,’ share your referral code and start making money.

EarnEasy Download 4.2 Ratings

23. OneCode

It is one of the best refer and earn apps in India, where you can earn unlimited money by just referring to the app. They also provide a special coupon code to every user. So whenever users purchase your coupon code, you will get a certain amount of commission for that.

You do not need to invest any money as there is no joining fee, and the good thing is that you have unlimited earning potential.

There are numerous big brands associated with them, such as Dineout, Bewakoof, Mydreanstore, etc. By referring services or products to your friends, you can earn around Rs.200 to Rs.1000 in Paytm cash. The money gets credited to your account as soon as you earn it.

OneCode Download 4.1 Ratings

Also Read: 22 Top Money Earning Websites

24. CoinSwitch Kuber

It is a crypto trading app that offers its users an Rs.50 signup bonus, and for every referral, they pay Rs.50. It is one of the most secure and reliable crypto trading apps in India. It enables you to trade in more than 100 cryptos at the best prices with the highest liquidity. All you need to do is download the app, register your mobile number, and complete the signup process for using this platform.

CoinSwitch Kuber Download 4.2 Ratings

25. Frizza

It is one of the excellent best refer and earn apps in India, especially for earning Paytm cash. You can complete numerous tasks for making money, such as watching videos, completing surveys, referring the app to your friends, and much more. For completing every digital task, they pay you Rs.25 and Rs.15 for every referral, but they should complete 7 offers for the amount to get credited into the account.

You can redeem a minimum of Rs.30 with Frizza. Overall, it is a great app and is perfect for you if you can complete different small tasks.

Frizza Download 4.2 Ratings

26. CashBoss

CashBoss is a popular app that can be used to win free recharge by sharing it with your known ones and inviting them and downloading various applications. The referral bonus is Rs. 15 per individual. You can also take part in spin the wheel, that gives you the chance to win an amount in the range of Rs. 1 to Rs. 20. You can also take part in daily contests, where you can win guaranteed prize.

Frizza Download 3.9 Ratings

27. mCent Browser

This is just like any other regular browser such as Google Chrome, Firefox, etc. However, it is the first browser of the world that allows free talktime and data recharge up to Rs. 199 and postpaid plans payment.

You get the opportunity to earn rewards by registering your new account and using this browser. You can visit various sites, read news, and search for many things in the search bar and earn points. These can be then converted into money. The more points you win, the more money you can earn.

For each referral you can earn an invitation reward of Rs. 40, whenever someone downloads the app and registers their account using your link. To convert the points into money, you can do mobile recharge and postpaid plans payment and renewal.

mCent Browser Download 2.8 Ratings

28. 11Challengers

It is a fantasy game app that offers numerous games which you can play at any time from anywhere. You can make real money from this app by playing online games and referring it to friends. They aim to provide the best gaming experience as it is a very well-designed application. The various types of games they offer are Football, Cricket, Basketball and many more.

In their referral program, you will be able to earn Rs.50 cash bonus when they register and verify their mobile number. Plus, you also get around 20% of their contest commission in winning for every cash contest they join.

11Challengers Download N/A

Also Read: 65 Best PayPal Games that Pay Real Money

29. Winzo

It is a fun gaming application where users can play and win various exciting prizes and rewards. You will be amazed to know that they offer more than 70 games for you to choose from, such as fantasy cards, arcade, casual, racing, action, and many more. The player just needs to participate in a tournament or challenge and answer all questions correctly in the minimum time to become the winner with this one of the best refer and earn apps.

It has a great referral program in which you can earn Rs.100 for every referral who joins the network through your link. There is no limitation to earnings which means the more you refer, the more you will be able to earn. There is a minimum withdrawal limit of Rs.3.

Winzo Download N/A

30. Zupee

This app enables users to choose from any topic they like and play tournaments with other players, and make real money. There are different types of topic categories such as Sports, Math, Hollywood, Bollywood, Hinglish, Capital, etc. You can take challenges and answer simple questions in the minimum time for winning the contest.

The first thing you need to do is download the app and sign up by providing your mobile number. You will also need to fill in some basic details like name, email address, bank account details, etc. As soon as you sign up, they provide you with a bonus of Rs.10. If you prefer the app to your friends, you get Rs.10 if they download the app.

Zupee Download N/A

31. BigCash

It is a fantasy game app and one of the best refer and earn apps that is trending these days amongst gamers because they are paying Rs.10 for playing games on their app. It means that there is an opportunity to earn a good amount of money by just playing games on BigCash. You can also make money through their referral program, as they pay Rs.15 for every referral.

To start earning through Big Cash, you need to download the app, log in with Facebook and earn Rs.10 joining bonus. Then enter your mobile on the nest page and get Rs.10 on Paytm. The minimum withdrawal amount is Rs.10, and you can redeem your earnings with your Paytm wallet.

BigCash Download N/A


Q1. What is earning through reference?

Earning through reference is a marketing method that helps companies promote their products and services to potential customers. The customers here, in this case, are referred by already existing people on the network and work as an effective marketing tool.

Q2. Can I really make money this way? 

It would be wrong to assume that vast sums of money can be made by the customer with this method. Most of the time, the referrers are paid a promotional sum which acts as an incentive and not as a prime means of earning an income. Thus, it is advised not to rely on earnings to meet expenses. Although, these best refer and earn apps are great to supplement your primary earning in a fun way.

Q3. Do the apps work all the time? 

One of the features of the referral system of marketing is that the benefits to the user vary depending on the period under consideration. Therefore, the apps often do work, but the payout could vary depending on how well the system is being promoted at the given point in time.

Today, a large number of businesses tend to use the referral system for marketing their products and services. The secret to making money in this method is to use as many products as possible that use the referral system for marketing itself. Then the small sums of money that come by getting total up to a large sum of money.

Another note is that as competition gets more challenging in every sphere of operations, businesses tend to try out options that would bring the most customers for the money spent on promotions. Referral programs are one of the most cost-effective in terms of return on money invested as this is a very direct approach to marketing products.


Refer and earn apps have become a popular way to earn rewards and money in India. These apps offer a win-win situation for both the referrer and the referred user. With the increasing demand for refer and earn apps, several options have emerged in the Indian market.

However, the apps listed in this article are among the best and most reliable, based on user reviews and ratings. These apps are easy to use and provide a convenient way to earn rewards and cash. So, whether you are looking for cashback on your shopping or earning money by referring others, refer and earn apps in India are definitely worth considering.

Sushma is a seasoned business writer and content creator with over 7 years of experience in the field. She has a talent for taking complex topics and breaking them down into easily understandable language that engages and educates her readers. Her expertise allows her to cover a wide range of topics relevant to the B2B industry, providing business owners with the knowledge they need to make informed decisions and drive growth.


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