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?

  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 who don’t want to be tied down to a traditional job.

Best Refer and Earn Apps in India

1. EarnKaro

EarnKaro logo
EarnKaro logo

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.

2. Groww

Groww logo
Groww logo

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.

3. Upstox

Upstox logo
Upstox logo

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.

4. Phonepe

Phonepe logo
Phonepe logo

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.

5. Paytm

Paytm logo
Paytm logo

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.

6. NordVPN

NordVPN logo
NordVPN logo

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.

7. Times Prime

Times Prime logo
Times Prime logo

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 logo
Zerodha logo

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 logo
My11Circle logo

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 logo
Amazon Pay logo

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.

11. ySense

ySense logo
ySense logo

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
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 logo
CRED logo

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 logo
Earneasy logo

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 logo
Winzo logo

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.


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.


Which app gives money for refer and earn?

There are several apps that offer money for refer and earn including EarnKaro, Groww, Upstox, Paytm, and Amazon Pay.

Which app has the highest referral bonus?

NordVPN has the highest referral bonus of up to 100% commission for bringing monthly subscriptions to the platform.

How do I refer and earn on Google pay?

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

Can we refer and earn in PhonePe?

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

Mansi Rana is an experienced content writer with 2 years of experience in creative storytelling. A Journalism and Mass Communication graduate from Amity University, Mansi is passionate about helping creating micro-influencers through the power of affiliate marketing. When not writing for the Internet, she is a voracious researcher of all things beauty and fashion.


Please enter your comment!
Please enter your name here