Top 40 Refer and Earn Apps in India for 2025

Copy Link. Share. Earn Money.

Who knew earning a little extra money on the side could be this easy?! If you are someone who is looking for ways to earn money, then you are at the right place.

What if we tell you that the apps on your phone right now can make you money? Yes, you read it right. All the apps installed on your phone can help you earn money through their referral program. Whether it is your favorite food ordering app like Swiggy or your most used payment app like Paytm, all of these apps offer a refer and earn program that you can join with just a few clicks.

This blog is all about how you can join these top refer and earn apps in India and start earning today. But before we dive deep into these apps, let’s first get a quick look at the benefits they offer.

What are Refer and Earn Apps?

Think of a Refer and Earn app as a way to earn money by referring apps to your friends. These apps reward you when someone signs up using your referral code or link.

Here’s the deal:

You sign up on the app → share your unique link with your friends → they join and do something basic (like sign up or make a transaction) → and you both get rewarded.

Rewards can be anything from real cash and wallet money to discount coupons or shopping vouchers.

What are the benefits of using Refer and Earn apps?

1. Low Barrier to Entry: Refer and earn apps are incredibly easy to get started with and require minimal investment. All you need to do is sign up for the app, share your referral link, and wait for the money to start rolling in.
2. High Earning Potential: Refer and Earn apps offer high earning potential, with some apps offering up to 100% commission for each referral. This means that if you refer enough people, you can make a sizable income with minimal effort.
3. Passive Income: Refer and earn apps allow you to make a passive income. Once you have set up your referral link, you can sit back and watch your bank balance grow.
4. Promoting Products that You Believe In: Refer and earn apps allow you to promote products and services that you believe in and that you are passionate about. This makes it easier to stay motivated and to keep referring new people.
5. Flexibility: Refer and Earn apps offer flexibility as you can work on your terms and set your hours. This makes it perfect for those who want to make money on their terms and don’t want to be tied down to a traditional job.

Types of Refer and Earn Apps

List of 40 Best Refer and Earn Apps in India

1. EarnKaro

EarnKaro is an affiliate marketing network that has partnerships with more than 150 online retailers. The deal-sharing website allows users to share different products and services from online retailers and share the deals with their network. Whenever someone places an order through your link, you can earn a commission.

EarnKaro also has a Refer & Earn program in place that allows marketers to earn a little extra by recommending the app to their network. Users can earn a flat 10% lifetime commission on whatever their referrals earn from the network.

Referral Earnings – 10%

How to Refer and Earn on EarnKaro?

1. Navigate to your My Profile and click on “Refer & Earn.”
2. Copy your unique referral link from the provided section.
3. Share this referral link effortlessly on social media platforms like Facebook, Telegram, and WhatsApp.
4. Additionally, you can send the referral link via email to your friends.
5. When your friends create an account on EarnKaro using your referral link, you will be rewarded with an impressive 10% share of their earnings for a lifetime!

App Insights

2. Groww

Groww is an online investment platform that allows users to invest in stocks, mutual funds, and other financial instruments. It provides users with a user-friendly interface to manage their investments, and it offers a variety of features such as real-time market data, portfolio management, and tax optimization.

Groww’s Refer & Earn Program allows users to share the app with an unlimited number of users, and they can earn a flat ₹100 whenever an account is activated through their link. This commission is firstly transferred to your Groww wallet and can be withdrawn into a bank or invested into different financial instruments.

Referral Earnings – ₹100

How to Refer and Earn on Groww?

1. After sharing the link with your friends, request them to complete the entire account opening process to be eligible for their rewards.
2. Once they successfully activate their account, both you and your friends will receive the cash reward. However, to claim the reward, ensure your stock account is activated.

App Insights

3. Upstox

Upstox is a financial technology company that provides an online trading platform for stock brokers, retail investors, and traders. Through its platform, users can access a wide range of financial products, such as stocks, mutual funds, ETFs, and derivatives.

Upstox has a very high payout for its Refer & Earn program. Any time an account is activated through your referral, ₹600 will be credited to your Upstox wallet. The same can be invested or easily withdrawn into your bank account.

Referral Earnings – ₹600

How to Refer and Earn on Upstox?

1. Log in to the Upstox app using your 6-digit PIN or Biometrics.
2. Tap on ‘Accounts’ at the bottom of the screen.
3. Click on ‘Rewards’.
4. You have two options to invite users:

App Insights

• Choose ‘Share link via WhatsApp’ to invite your friends through WhatsApp. A pop-up will appear, allowing you to send the invitation easily.
• Alternatively, select ‘Share using other apps’ to invite via different methods. Another pop-up will appear, providing various options to share the referral link.

Note: The amount visible on your screen represents the referral reward you can receive.

4. PhonePe

PhonePe is an Indian digital payment platform developed by the e-commerce company Flipkart. It enables users to make payments via their smartphones using Unified Payments Interface (UPI), credit/debit cards, and other payment options such as wallets. It also provides users with features such as bill payments, recharge, and money transfers.

PhonePe Refer & Earn program allows users to earn a flat guaranteed ₹75 whenever a referral adds their UPI details on the payment platform.

Referral Earnings – ₹75

How to Refer and Earn on PhonePe?

1. Launch the PhonePe app on your device.
2. Tap on the “Refer & Earn” option.
3. Choose your preferred communication channel to send out the invites.
4. Select the contacts you wish to invite and tap the “Send” button.

The recipients will receive a message containing your unique referral link. They only need to click the referral link to download and install the PhonePe app.

App Insights

5. Paytm

Paytm is an Indian digital payment and e-commerce company that offers a mobile wallet, online payments, bill payments, and online shopping services. Over 8 million merchants in India accept Paytm which is available in multiple languages.

Paytm Refer & Earn Program can give you up to ₹50,000 for your efforts. The guaranteed minimum amount is set at ₹100, and your referral will also get a surprise cashback on their first UPI payment.

Referral Earnings – ₹100

How to Refer and Earn on Paytm?

1. Click the “Invite” button and share your unique invite link via WhatsApp, Facebook, SMS, or Twitter.
2. Ask your friends to click on the invite link you shared.
3. When your friend completes their first UPI Payment on Paytm, you will receive a flat ₹100 cashback reward for each successful referral.

App Insights

6. NordVPN

NordVPN is a virtual private network service provider. It offers a secure and private connection to the internet, allowing users to surf the web anonymously and access restricted websites and services. NordVPN encrypts all data transmitted over the internet and routes it through secure servers located in different countries, allowing users to bypass geo-restrictions and censorship.

Referral Earnings – 3 months free

How to Refer and Earn on NordVPN?

1. Use your Nord Account to refer your friend by sharing a unique referral link or through your NordVPN app.
2. After your friend signs up, we’ll wait 30 days to ensure they maintain an active account, ensuring fairness in the process.
3.  Once the 30-day period is over, you will receive a reward of 3 months, and your friend will get an extra 1 or 3 months of subscription time. These rewards will be automatically added to your respective NordVPN accounts.

App Insights

7. Times Prime

Times Prime is an exclusive membership platform from Times Internet that provides access to exclusive lifestyle and entertainment experiences. Members get access to exclusive discounts, offers, and benefits on a wide range of products and services, such as food delivery, travel, entertainment, shopping, and more.

The Times Prime Refer & Earn Program allows users to earn a flat ₹350 for every new paid user that they bring to the platform. The referral also gets a ₹350 discount on their first purchase. The maximum referral amount that can be availed is set at ₹3500.

Referral Earnings – ₹350

How to Refer and Earn on Times Prime?

1. Open the Times Prime App.
2. Locate and click on the “Refer & Earn” option banner on the Homepage.
3. Share your unique invite link or referral code via WhatsApp, Facebook, SMS, or other preferred methods.
4. Ask your friend to purchase the Times Prime membership using your invite link.

App Insights

8. Zerodha

Zerodha is an Indian financial services company the largest stockbroker in India, and the first Indian company to offer retail investors the ability to trade in financial products such as stocks, mutual funds, and commodities through its online trading platform. Zerodha provides investors with a range of services, including margin trading, portfolio management, research, and analysis tools.

Zerodha’s Refer & Earn Program provides referrers with a flat 10% return on the brokerage that their referral pays on the platform. Referrers can also earn 300 reward points on every successful referral, which can be redeemed in different ways on the app.

Referral Earnings – 10% of the brokerage + 300 reward points

How to Refer and Earn on Zerodha?

1. Visit zerodha.com/refer.
2. Enter your Client ID.
3. Share the affiliate link on WhatsApp, Facebook, Twitter, or LinkedIn.

App Insights

9. My11Circle

My11Circle is an online platform that provides users with the opportunity to create their fantasy cricket teams and compete with each other. It allows users to pick their teams, create their leagues, and compete against their friends. It also provides users with access to news, updates, scorecards, and other features related to cricket.

The My11Circle Refer & Earn Program does not require you to make any investments or bets through the platform. All you have to do is bring new users to the app, and you can earn a flat ₹551 for every successful referral.

Referral Earnings – ₹551

How to Refer and Earn on My11Circle?

1. Open the My11Circle application.
2. Click on “Refer & Earn,” located at the bottom of the screen.
3. Invite your friends using WhatsApp, Free SMS, or Email.

App Insights

10. Amazon Pay

Amazon Pay is a payment service that allows customers to use their Amazon account to purchase goods and services on websites outside of Amazon. It provides a secure and seamless payment experience while giving customers the convenience of using their Amazon account credentials to make online payments. Amazon Pay is widely accepted by merchants around the world, including online stores, marketplaces, and brick-and-mortar retailers.

Amazon Pay’s Refer & Earn Program allows users to earn ₹25 credit into their Amazon Pay balance for every successful referral. The new user also gets benefits worth ₹600 on UPI registration.

Referral Earnings – ₹25

How to Refer and Earn on Amazon Pay?

1. Open the Amazon app.
2. Access the main menu and select “Amazon Pay.”
3. Click on “Invite & Earn” and navigate to “Invite Your Friends.”
4. Share your referral link with friends and family.

App Insights

11. ySense

Other ways for users to earn money on ySense include watching videos, signing up for different websites, and installing programs through ySense offers. The fact that there is no fee to do surveys or play games on ySense is one of its best features. Because this programme is completely free, you may use it and make a lot of money without spending a dime.

As it offers the chance to complete surveys and earn money by referring people to their website or app, ySense is one of the best refer and earning applications in India. They have an appealing referral program because they offer a 30% recurring commission on what your referrals make.

Referral Earnings – 30% recurring commission

How to Refer and Earn on ySense?

1. Log in to your ySense.com account.
2. Once logged in, navigate to your main screen, where you will find your unique referral link listed.
3. Share your referral link with potential referrals.

App Insights

12. IIFL Securities

IIFL Securities is a full-service stockbroking firm based in India, providing retail and institutional clients with a wide range of financial services, including equity and commodity broking, portfolio management services, mutual funds, insurance, fixed deposits, and IPOs. Users can earn up to ₹500 for referring IIFL Securities with their network and bringing new signups.

Referral Earnings – ₹500

How to Refer and Earn on IIFL Securities?

1. Download the IIFL Markets app.
2. Login using your credentials, such as your mobile number.
3. Navigate to the Refer & Earn section.
4. Enter your registered mobile number once again to obtain your unique referral link.

App Insights

13. CRED

CRED is a private club for members only that rewards people for paying their credit card bills on time by giving them access to special deals and premium experiences. Users of credit cards can manage several cards on this portal, which also provides a credit score analysis. The CRED refer and earn program allows users to earn within the range of ₹750 to ₹1,000 for recommending its services.

Referral Earnings – Up to ₹1000

How to Refer and Earn on CRED?

1. On the Homepage, click on the “Refer” option.
2. On the next page, share the referral link through WhatsApp or invite your friends directly.

Keep in mind the cashback will only unlock once your referred friend makes their first credit card bill payment. To be eligible for this cashback, ensure you have an active credit card on CRED. The CRED referral link is valid for only 48 hours. Ensure your friend downloads the app before that, or you can send another link to them.

App Insights

14. EarnEasy

EarnEasy is a simple cash-making app that provides users with Paytm cash for downloading and using third-party apps. Earneasy app provides a signup bonus of ₹50 for new sign-ups and ₹15 commission through its refer and earn program.

Referral Earnings – ₹15

How to Refer and Earn on EarnEasy?

1. Open the Earn Easy App.
2. Tap on the “Refer & Earn” button.
3. Share your unique referral code with your friends.
4. Tap on the social icons to easily share the code on various platforms.

App Insights

15. Winzo

Winzo is an online gaming and entertainment app in which customers can participate in different activities and compete with others in games to earn real money. These mobile games include cricket, 8-ball pool, Ludo, Archery, Carrom, and many more. The Winzo Refer and Earn Program allow you to recommend the app to an unlimited number of people and earn ₹55 on every successful referral.

Referral Earnings – ₹55

How to Refer and Earn on Winzo?

1. Open the WinZO app.
2. Obtain your unique WinZO referral code.
3. Share the code with your acquaintances.
4. Enjoy plenty of rewards as they join using your referral code.

App Insights

16. Paytm Money

Paytm Money is a discount broker application with a referral program and an attractive pricing structure. Moreover, their brokerage fees are fixed but relatively low, making it an excellent choice for speculators and day traders.

Paytm Money is an excellent platform for beginners looking to invest in the stock market with limited knowledge. The app is user-friendly and straightforward to use. To get started, you need to open an account on the Paytm app and use the same login credentials to access Paytm Money. Once you have completed the simple KYC requirements, you are ready to start trading actively in the market. 

Referral Earnings – ₹400 per referral + up to 50% rev share

How to Refer and Earn on Paytm Money?

1. Log in to the Dashboard.
2. Obtain your unique referral link.
3. Share the link within your network.

App Insights

17. Google Pay

With Google Pay, you can easily carry out financial transactions from your phone with just a few taps. And the best part? You have various options to transfer money between accounts! Furthermore, you also get a chance to win exciting rewards for any transaction that costs more than ₹150.

Referral Earnings – 100 referral rewards

How to Refer and Earn on Google Pay?

1. Open the Google Pay app and tap your profile in the top right corner.
2. Select “Invite friends, get rewards”.
3. Share your referral link with friends and family via WhatsApp, email, SMS, or other methods.
4. Once your friend installs the app through your link and completes their first transaction, you’ll qualify for the referral bonus.

App Insights

18. CreditMantri

Do you want to earn extra cash while controlling your credit score? Then you should check out the CreditMantri app!

This app is an excellent tool that helps you monitor and improve your credit score, which can ultimately lead to better financial opportunities for you. And the best part is, by referring just three of your friends to the app, you can earn yourself a reward of ₹100 in Paytm cash. But the earning potential doesn’t stop there! You can invite as many friends as you want and keep earning more.

Signing up for the app is super easy, too! All you have to do is enter your mobile number, verify it with an OTP, and fill in your details. Once you’re in, you can start referring your friends and earning money immediately.

Referral Earnings – ₹100

How to Refer and Earn on CreditMantri?

1. Click on your name and select the “Refer and Earn” option.
2. There, you’ll find your Referral code and Referral link.
3. Copy the referral link and start sharing it with your friends.

Please note – PAN verification is required to claim the rewards.

App Insights

19. TaskBucks

TaskBucks is one of the most famous and reliable refer and earn apps out there, with plenty of opportunities for you to make some extra cash.

The best part about TaskBucks is how many ways you can earn money. Whether you like answering questions, downloading new apps and games, completing quick and easy tasks, or just referring friends to the app, there’s something for everyone!

Compared to other money-earning apps, TaskBucks stands out for its user-friendly interface and reliable payout system.

Referral Earnings – ₹63

How to Refer and Earn on TaskBucks?

1. Open the app and go to the “Invite” section.
2. Select the “Invite” option to generate a referral link.
3. Share the link with your friends and family.
4. When someone uses your link to download TaskBucks, you will receive a payment.

App Insights

20. RozDhan

With RozDhan, you can watch videos, play games, and read interesting articles to earn free Paytm cash. Plus, whenever you refer a friend, you’ll earn ₹8 in your RozDhan account. And every time your friend makes a payment through the app, you’ll earn even more.

When signing up on RozDhan, you get ₹50 just for creating an account and ₹30 for logging in for the first time. And with fresh and exciting content added daily, you’ll never run out of things to watch or read.

You can withdraw your earnings instantly through Paytm or UPI once you reach a minimum balance of ₹200.

Referral Earnings – ₹8

How to Refer and Earn on RozDhan?

1. Share your referral link with your friend via WhatsApp or any social media app.
2. Your friend clicks on the link and registers on the Rozdhan app as a new user.
3. After a successful account opening, you will receive the referral reward in your Rozdhan app.

App Insights

21. Pocket Money

Pocket Money is one of the most reliable refer and earn apps out there. All you have to do is complete simple tasks like playing games, watching videos, and completing daily challenges to earn mobile recharge and even up to ₹500 cash. Additionally, for every referral that downloads the app, you earn ₹30, and there’s a daily earning limit of ₹160.

Pocket Money also provides amazing discounts and offers on food, e-commerce, and travelling with their coupons. So, you can save money while earning money!

Referral Earnings – ₹160

How to Refer and Earn on Pocket Money?

1. Open the Pocket Money app.
2. Navigate to the Refer & Earn option.
3. Share your invite link with your family and friends.

App Insights

22. MobiKwik

MobiKwik is an app that enables its users to invest in digital gold, stocks, and mutual funds. Additionally, the app facilitates online bank transfers and bill payments.

Referral Earnings – Up to ₹5,000 SuperCash

How to Refer and Earn on MobiKwik?

1. Click on the “Refer & Earn” App Card.
2. Share it via WhatsApp or any other medium of your choice.
3. When referee adds ₹50 to their wallet, you both earn ₹100 SuperCash each!

App Insights

23. Vision11

Vision11 is an app that has it all – from cricket to football, baseball to basketball, and even handball! You can play your favourite games and win real cash prizes. Plus, if you refer your friends to join in on the fun, you’ll receive a 100 bonus that you can use towards your own gameplay.

For every friend you refer, you’ll receive a 20% commission on their deposit, which will be credited right into your winning wallet.

Referral Earnings – ₹100 + 20% commission

How to Refer and Earn on Vision11?

1. Refer your friends by sharing your referral code to install the app.
2. They need to sign up, verify their phone & email, and add a minimum of ₹50 to their account.
3. Once they complete their first deposit and verification, you will get ₹100 + 20% commission for a lifetime, and your friend will get ₹300.

App Insights

24. 5Paisa

5Paisa is a platform that offers a flat brokerage fee regardless of what commodity you’re trading, how big your trade is, or which exchange you’re trading on. There are no pesky account opening charges to worry about. And if you’re into mutual funds, 5Paisa has got you covered with a nominal charge of ₹10 for every executed order. Plus, they offer a fantastic referral program that can earn you ₹200 Referral credit, 12.5% brokerage sharing, and other exciting rewards.

With 5Paisa, you can invest in both regular and direct mutual funds, but you may have to pay some AMC charges. However, the benefits of this platform are numerous – you can create a Demat account in just 5 minutes, enjoy no brokerage fees on trading, and invest in a wide range of options, including stocks, futures, commodities, options, currency, and MCX commodities.

Referral Earnings – ₹200 Referral credit + 12.5% brokerage sharing

How to Refer and Earn on 5Paisa?

1. Share your unique referral link with friends.
2. Your friend opens an account using your referral link.
3. Receive an account opening payout in your ledger account.
4. Earn unlimited brokerage sharing income when your friend trades.

App Insights

25. Zupee

Zupee is an app where you can pick any topic and play tournaments with other players to win real money! Zupee also offers a referral program to earn you even more cash while playing. One of the top UPI refer and earn apps, Zupee, offers referral earnings of ₹5.

Referral Earnings – ₹5

How to Refer and Earn on Zupee?

• Share your unique referral code with your friends. When your friends sign up using your referral code, you will receive ₹5. The more friends you refer, the more rewards you can earn.
• When your referred friend deposits money, you will receive ₹30 play money and ₹70 bonus money for every ₹100 they deposit.
• Your referred friend will also receive ₹25 play money and ₹75 bonus money for their first deposit of ₹100 or more.
• You can even get cashback and bonus money for deposits as low as ₹1.

App Insights

26. Meesho

Meesho is one of India’s leading referral programs, offering a chance to earn money by reselling products and referring friends. This remarkable reselling app facilitates convenient drop shipping of goods.

Share your referral link with friends and earn a commission when they download and make purchases through the app. Additionally, you can resell Meesho’s products and make up to ₹25,000 every month, boosting your earnings.

Referral Earnings – 25% commission for the first 3 orders

How to Refer and Earn on Meesho?

1. Launch the Meesho app.
2. Tap on the Menu.
3. Select “Refer and Earn.”
4. Click “Refer a Friend” and share the link with your friends.

App Insights

27. MPL

MPL Pro (Mobile Premier League) is India’s top referral app, offering up to ₹10,000 for each successful referral. It’s a gaming platform with free and cash games like Poker, Ludo, Rummy, and more, where you can win cash prizes. Daily cash winnings can reach up to ₹30 Crores*. Plus, the app rewards you and your friends with cashback when they make their first deposit.

Referral Earnings – ₹75 + 50% of your referee’s first deposit as Bonus Cash

How to Refer and Earn on MPL?

1. Download the app to access your referral code from within.
2. Locate the Refer & Earn tab at the bottom right corner of the app.
3. Easily share with friends on WhatsApp and start earning!

App Insights

28. FreeCharge

Freecharge is a mobile app designed for convenient mobile phone and DTH recharge, along with utility bill payments. Users can access a broad spectrum of services, including prepaid mobile recharge, postpaid bill settlements, data card recharges, and payment of various utility bills.

Referral Earnings – Up to ₹5,000

How to Refer and Earn on FreeCharge?

1. Open the Freecharge app.
2. Navigate to “Rewards.”
3. Click on “Refer & Earn” to get your referral link.
4. Share your referral link everywhere!

App Insights

29. Big Cash

Big Cash app provides an opportunity to play games anytime and anywhere while standing a chance to win real money prizes. Whether you’re a fan of card games, casual games, or board games, Big Cash has something to offer for every gaming enthusiast.

Referral Earnings – ₹15

How to Refer and Earn on Big Cash?

1. Log in to the Big Cash App.
2. Tap the three-dot menu at the top left.
3. Access the “Invite and Earn” section.
4. Tap “Share” to share the app link with friends via WhatsApp, Facebook, Twitter, or any other app.

Upon your friend’s app download and successful registration through your link, you’ll receive real cash once they verify their phone number.

App Insights

30. Rush

Rush is a mobile app that lets users engage in real cash games like Ludo, Carrom, Call Break, Disc Football, Pool, Archery, and more while enjoying some quality time with family and friends. As one of the top refer and earn apps without investment, Rush offers up to ₹50,000 of referral earnings.

Referral Earnings – Up to ₹50,000

How to Refer and Earn on Rush?

1. Open the Rush App.
2. Navigate to ‘Referrals’ and click on the ‘Share’ icon to invite friends and partners.
3. Share the referral link through WhatsApp, Telegram, Instagram, or other platforms.

App Insights

31. Batball11

BatBall11 is a fun platform for sports lovers to enjoy an exciting virtual gaming experience. It lets you test your skills and show off your knowledge about sports. Get ready to take charge and Change the Game. Just follow these simple steps to dive into your fantastic fantasy experience. The idea is easy: choose the right team, play wisely, and earn points and cash. It’s all about the three C’s: Compete, Conquer, and Become a Champion.

Referral Earnings – Flat ₹50

How to Refer and Earn on Batball11?

1. Get the BatBall11 app from the Apple App Store or the website.
2. Sign up and create your account.
3. Once registered, share your referral code with friends to invite them to join.

App Insights

32. CoinSwitch

CoinSwitch is a safe and easy-to-use platform for people in India to buy over 100 cryptocurrencies, including Bitcoin, Ethereum, and Ripple. You can choose from various payment options to make your transactions smooth.

With CoinSwitch, you can access the combined liquidity of top exchanges in India to get the best rates and trade instantly, once you complete the required KYC (Know Your Customer) and AML (Anti-Money Laundering) steps. The CoinSwitch app offers a simple interface, making it easy for everyone to trade cryptocurrencies.

Referral Earnings – 20% of the total trade commission for 1 year

How to Refer and Earn on CoinSwitch?

1. Share your unique referral link with your friends.
2. Encourage your friends to join CoinSwitch PRO using your link.
3. Earn rewards for every trade they make.

App Insights

33. Swiggy

Swiggy is India’s top delivery app that makes it easy to get food delivered right to your door. With a tech-savvy approach, Swiggy is in over 500 cities and partners with hundreds of thousands of restaurants. They have a team of more than 200,000 Delivery Executives working hard to bring you your meals quickly and easily.

Starting out as a local food delivery service in 2014, Swiggy has grown into a great logistics company. This means you can enjoy fast deliveries while their employees also have a productive and satisfying work experience. With referral earnings of ₹50, Swiggy is one of the best instant refer and earn apps.

Referral Earnings – Flat ₹50

How to Refer and Earn on Swiggy?

1. Open the Swiggy app or website and log in.
2. Go to “Refer and Earn Program”.
3. Generate your referral link or code.
4. Send the link or code to your friends.
5. When your friend signs up and orders, you both get rewards

If you refer up to fifty friends successfully, you can earn ₹2,500 in cashback.

App Insights

34. BigBasket

Bigbasket started its journey in 2011 and is now India’s largest online supermarket, part of the Tata family. With over 13 million customers, they deliver to more than 60 cities and towns. Bigbasket covers all your grocery needs through different services like bigbasket, bbnow, bbinstant, bbdaily, fresho, bbmandi, and bbsaathi.

They make grocery shopping super easy and convenient, helping you enjoy a better shopping experience. They are also one of the top refer and earn apps without KYC that offer ₹50 referral earnings.

Referral Earnings – ₹50

How to Refer and Earn on BigBasket?

1. Go to the Refer & Earn page and share it.
2. Friend Uses Code.
3. Your friend recharges their bbdaily wallet.
4. They place a subscription order.
5. After the first delivery, both receive ₹50 (credited after 3 PM).

App Insights

35. Pharmeasy

Pharmeasy is one of the India’s top online platforms for healthcare and medicine delivery. They believe everyone should have access to good health and affordable healthcare.

With this in mind, Pharmeasy offer services like medicine delivery and diagnostic tests. Their goal is to make sure you get 100% genuine medicines and health products while saving money and time.

Referral Earnings – PharmEasy Credits

How to Refer and Earn on Pharmeasy?

1. Sign up for a PharmEasy account.
2. Create your unique referral link.
3. Share your referral link with friends and family.
4. When someone clicks your link and signs up, you’ll earn a referral reward.

App Insights

36. Lenskart

Lenskart is Asia’s largest eyewear company, helping 40 million people see better and enjoy better lives. They have over 1,500 stores across 175 cities in India, Singapore, and Dubai. Their goal is to serve one billion eyes worldwide by 2025. They want to do more than just correct vision; they aim to change how people see and experience the world.

Referral Earnings – ₹50 LKCash+

How to Refer and Earn on Lenskart?

1. Sync Contacts.
2. Share your code for friends to enter during registration.
3. Use the same phone number; friends must order ₹1,200+.
4. Earn ₹50 LKCash+ after 14 days post-delivery.

App Insights

37. MyCaptain

MyCaptain is an ed-tech startup that helps people follow their passion and build a career they love. Focusing on creative and alternative courses, MyCaptain has trained over 100,000 learners in fields like content, design, visual arts, finance, and business. Many have gone on to become entrepreneurs, writers, designers, filmmakers, and financial analysts. We offer online programs in more than 35 career fields, led by young professionals and educators who are under 30.

Referral Earnings – Up to ₹5,000

How to Refer and Earn on MyCaptain?

1. Register as a referrer.
2. Obtain your unique referral link.
3. Use the link to refer anyone you like.

App Insights

38. EaseMyTrip

EaseMyTrip is an online travel company founded in 2008 and based in New Delhi. They offer hotel bookings, airline tickets, vacation packages, bus reservations, and white-label services.

With a network of 42,000 travel agents, 1,200 franchise outlets, and 1,600 distributors, EaseMyTrip helps customers find the tools and information they need to research, plan, and book travel both in India and abroad.

Referral Earnings – Up to ₹2,000

How to Refer and Earn on EaseMyTrip?

1. Send your referral link to invite a friend to download the app.
2. Your friend installs the app and signs up.
3. You earn wallet money when they book travel.

App Insights

39. CashKaro

CashKaro is India’s leading cashback and coupon platform that partners with 1500+ online retailers. It allows users to earn cashback on every online purchase and also offers an exciting Refer and Earn program.

CashKaro’s referral program lets users earn passive income for life by referring friends to the platform. Once your friend signs up using your link and starts shopping, you earn a lifetime commission every time they earn cashback.

Referral Earnings – 10%

How to Refer and Earn on CashKaro?

1. Go to the My Profile section and click on Refer & Earn
2. Copy your unique referral link
3. Share this link via WhatsApp, Telegram, Instagram, or Email
4. When your friend signs up using your link and makes a purchase via CashKaro, you’ll start earning 10% of their cashback for life.

App Insights

40. Airtel

Airtel is one of India’s largest telecom operators, offering prepaid, postpaid, DTH, broadband, and more. Through its Refer and Earn program, Airtel allows existing users to refer their friends and family to use Airtel services and earn exciting rewards in return.

You can earn cashback, wallet rewards, or even extra data depending on the service you refer.

Referral Earnings – Up to ₹300

How to Refer and Earn on Airtel?

1. Open the Airtel Thanks App
2. Tap on “Refer a Friend” under the profile section
3. Choose the service you want to refer, such as Prepaid, Postpaid, DTH, Broadband, Airtel Black or Airtel Axis Credit Card
4. Share your referral link or code via WhatsApp, SMS, or social media
5. When your friend joins Airtel using your referral, you both get discount coupons on the Airtel App

App Insights

Is It Safe to Use Refer and Earn Apps?

Yes, it’s totally safe but only if you’re using real refer and earn apps like PhonePe, Paytm, EarnKaro, or Meesho. These are trusted names that people across India use every day.

Here are a few easy tips to stay safe while using them:

• Only download apps from the Google Play Store or Apple App Store
• Never share your OTP or bank details with anyone
• Stay away from shady apps that offer huge rewards without doing anything

As long as you stick to popular apps and follow basic safety rules, refer and earn is a legit and safe way to make money online.

How to Earn More with a Refer Earning App

1. Share in the Right Groups

Post your referral link in places where it makes sense like WhatsApp groups, Telegram channels, or Facebook groups for students, online shoppers, or work-from-home folks.

2. Add a Friendly Note

Don’t just share the link. Tell people why you like the app.

Example: “Hey! I use this app to save money on shopping. You can try it too and we’ll both get ₹100! Here’s my link :)”

3. Make Short Videos

If you use YouTube or Instagram, create a small video or reel showing how the app works. People love to see real proof before trying something new.

4. Write Simple Posts or Reviews

If you have a blog or a Medium account, write a quick guide on how to use the app and drop your referral link. It’s a great way to get free traffic from Google.

5. Send Personal Messages

Sometimes, a direct message works better than a public post. Just make sure it feels casual and helpful and not pushy.

6. Share with New Users

Most refer earning apps only reward you if the person you refer is signing up for the first time. So share it with people who haven’t used the app yet.

7. Watch for Bonus Offers

Apps often run special referral events during festivals or big sales. Be active during those times as the rewards are usually bigger.

How does Referral Marketing Work?

When we hear the words referral marketing, we automatically think about earning cash rewards. But referral marketing is so much more than that. Your incentives as a referrer by recommending products or services could be discount coupons, gift cards, bonuses, and much more. Here is how referral marketing works

• The company will set up a referral program with exciting rewards for referring new customers.
• Then, the company will let you know about this fantastic program and incentives that come with it
• Now, once your referrals sign up with the company, you will get rewarded for your recommendation.

Easy-peasy right?

Referral marketing is beneficial for everyone. Based on the confidence and credibility of consumers like you, it is easy for your referees to try out the company’s services as well. By sharing your great experiences with the company, you are giving them a giant thumbs up and building credibility for them.

Why are referrals such a powerful marketing tool?

• Trustworthiness: People trust recommendations from people they know more than advertisements.
• Authenticity: Referrals come from firsthand experience, making them more credible.
• Influence: Satisfied customers can significantly influence their friends and family.
• Trust building: Referrals foster trust in your brand.
• Effectiveness: Referral marketing leverages personal recommendations to drive business growth.

Mistakes That Can Block Your Referral Earnings

Using free refer and earn apps is a great way to make extra money but small mistakes can stop you from getting your rewards or even get your account blocked. Here’s what to watch out for:

1. Spamming Your Referral Link Everywhere

Posting your link in random comments or groups won’t work. People might ignore it or even report it.

What to do instead: Share it with a short, friendly message that explains the benefit.

2. Referring Fake or Duplicate Accounts

Trying to create fake signups to earn faster? Apps are smart and they’ll find out and block your rewards.

Always share your link with real people like friends, family, or social media followers.

3. Not Reading the Rules

Every app has its own referral conditions. Some want the user to do KYC, shop, or invest first.

Take a minute to read the referral rules before sharing your link.

4. Sharing Old or Wrong Referral Codes

Using expired links or wrong codes means no reward for anyone.

Always check if your link or code is working before sending it.

5. Expecting Instant Rewards

Some free refer and earn apps take a little time to verify the action. Don’t panic if you don’t see money right away.

Most apps pay within a few hours to a couple of days.

6. Not Following Up

Your friend signed up but forgot to complete the task? Give them a gentle reminder.

A friendly follow-up can help you both get your reward.

Conclusion

There are plenty of Refer and Earn apps available on the internet. Some of them may even promise unconventionally high returns for your referrals. However, not all apps have sound backing and trustworthy protocol. We have recommended the top 40 Refer and Earn apps that are highly reliable and will get your earning numbers ticking in no time.

Moreover, you can also earn money with the help of online quiz apps. Check out our blog, where we have listed some of the best quiz apps for earning money in India.

Must Read:

• Top Poker Apps in India
• Callbreak Earning Apps
• Colour Prediction Game

FAQs