For the longest time, people have wanted to earn money without putting in much time and effort. It wasn’t possible for so long until now. In 2023, every person, irrespective of qualification, skill, or age can earn money through the internet. One of the best ways to do that is by referring apps with a reward program in place. These apps provide people with money and other rewards. All you have to do is ‘Refer and Earn’. So, let us have a look at the top Refer and Earn apps in India for 2023 which will help you earn a good amount of money in no time.
Why should you think about Refer and Earn apps?
On this page:
- 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.
- 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.
- 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.
- 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.
- 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 who don’t want to be tied down to a traditional job.
List of 25 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.
| Launched In | 2015 |
| Ratings | 3.9/5 |
| Downloads | 1M+ |
| Requires Android Version | 5.1 and up |
| Install(Android) | Visit |
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.
| Launched In | 2016 |
| Ratings | 4.4/5 |
| Downloads | 10M+ |
| Requires Android Version | 5.0 and up |
| Install(Android) | Visit |
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.
| Launched In | 2009 |
| Ratings | 4.4/5 |
| Downloads | 5M+ |
| Requires Android Version | 5.0 and up |
| Install(Android) | Visit |
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.
| Launched In | 2015 |
| Ratings | 4.4/5 |
| Downloads | 100M+ |
| Requires Android Version | 5.0 and up |
| Install(Android) | Visit |
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. Paytm is accepted by over 8 million merchants in India and 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.
| Launched In | 2010 |
| Ratings | 4.5/5 |
| Downloads | 100M+ |
| Requires Android Version | Varies with device |
| Install(Android) | Visit |
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.
NordVPN Refer & Earn Program offers referrers up to 100% commission for bringing monthly subscriptions on the platform. The commission for longer-duration subscriptions is set at 40% and renewals also pay you a lifetime 30% commission.
| Launched In | 2012 |
| Ratings | 3.8/5 |
| Downloads | 50M+ |
| Requires Android Version | Varies with device |
| Install(Android) | Visit |
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 ₹100 for every new paid user that they bring to the platform. The referral also gets a ₹100 discount on their first purchase. The maximum referral amount that can be availed is set at ₹5,00,000.
8. Zerodha
Zerodha is an Indian financial services company and 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.
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.
10. Amazon Pay
Amazon Pay is a payment service that allows customers to use their Amazon account to securely 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 ₹75 credit into their Amazon Pay balance for every successful referral. The new user also gets benefits worth ₹125 in their Amazon Pay balance.
| Launched In | 2019 |
| Ratings | 4.1/5 |
| Downloads | 100M+ |
| Requires Android Version | Varies with device |
| Install(Android) | Visit |
11. ySense
Other ways for users to earn money on ySense include watching videos, signing up for different websites, and installing programmes 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 programme because they offer a 30% incentive, which is a sizable sum.
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.
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.
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.
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.
| Launched In | 2018 |
| Ratings | 4.4/5 |
| Downloads | – |
| Requires IOS Version | iOS 13.0 or later |
| Install(Android) | Visit |
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.
To use the referral system, follow these steps:
- Install the One Code software application on your device.
- Create an account by registering with your details.
- Click on the ‘Brands’ option in the app.
- Choose the ‘Demat Account’ option to create an account with Paytm Money.
- Complete the familiarization process and answer the questions correctly.
- Tap on the ‘Share Now’ button to generate a link that you can share with your friends.
- That’s it! Once your friend signs up for a trading account on Paytm Money using your link, you will receive the cashback in your account.
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. But that’s not all – Google Pay also rewards you for spreading the word about the app. Each time you refer a friend to Google Pay; you can earn extra cash.
To refer someone to Google Pay and earn a bonus, follow these steps:
- Open the Google Pay app and tap your profile in the top right corner.
- Select “Invite friends, get rewards”.
- Share your referral link with friends and family via WhatsApp, email, SMS, or other methods.
- Once your friend installs the app through your link and completes their first transaction, you’ll qualify for the referral bonus.
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.
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!
And compared to other money-earning apps, TaskBucks stands out for its user-friendly interface and reliable payout system.
To refer others and earn money on TaskBucks, follow these steps:
- Open the app and go to the “Invite” section.
- Select the “Invite” option to generate a referral link.
- Share the link with your friends and family.
- When someone uses your link to download TaskBucks, you will receive a payment.
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 ₹12 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.
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 traveling with their coupons. So, you can save money while earning money!
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.
MobiKwik also offers a refer-and-earn program where all you have to do is share your unique referral code with your friends, and when they sign up with MobiKwik and add ₹50 to their wallet, you both earn ₹100 SuperCash each! You can earn up to ₹5,000 SuperCash through their Refer and Earn program.
23. Vision11
Vision11 is an app that has it all – from cricket to football, baseball to basketball, and even handball! You can play your favorite games and win real cash prizes. Plus, if you refer your friends to join in on the fun, you’ll receive ₹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.
To get a referral bonus, you need to:
- They need to sign-up, verify their phone & email, and add min ₹50 to their account.
- Once they complete the first deposit and verification, you will get ₹100 + 20% commission lifetime, and your friend will get ₹300.
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 ₹100 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.
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.
Here’s how it works:
- 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.
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 to you the top 15 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 down some of the best quiz apps to earn money in India.
FAQs
There are several apps that offer money for refer and earn including EarnKaro, Groww, Upstox, Paytm, and Amazon Pay.
NordVPN has the highest referral bonus of up to 100% commission for bringing monthly subscriptions to the platform.
On Google pay, you can earn up to 100 referral rewards by inviting new users to Google pay. Below are the steps to refer and earn on Google Pay:
1. Open Google Pay
2. Click on your profile
3. Then tap on ‘Invite friends, get rewards
4. Select how you’d like to invite
5. Tap send
Yes, you can refer and earn in PhonePe. Below are the steps to follow:
1. Open PhonePe
2. Tap on ‘Refer & Earn
3. Select how you’d like to invite
4. Tap send
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