In today’s digital era, earning money has become easier with just mobile apps. Especially Refer & Earn apps have opened the doors for millions of people to make extra income from home. All you need to do is invite your friends or family members, and once they sign up or complete their first transaction, you receive rewards in the form of cashback, bonus balance, or vouchers.
The best part is that this method is completely simple and requires no investment at all. Whether you are using payment apps like Google Pay and PhonePe, investment apps like Groww and Upstox, or gaming apps like MPL and Dream11 – everywhere you get the chance to earn by referring. That’s why Refer & Earn apps have become highly popular among students, youngsters, and even professionals.
Top 25+ Refer and Earn Apps (2025)
- Google Pay
- PhonePe
- Paytm
- Amazon Pay
- Freecharge
- Mobikwik
- BHIM App
- CRED
- Groww
- Upstox
- Zerodha
- Angel One
- PayPal (India)
- CashKaro
- Meesho
- Flipkart (Refer & Earn Offers)
- Swiggy
- Zomato
- Ola
- Uber
- Rapido
- MPL (Mobile Premier League)
- WinZO
- Zupee
- A23 Games (Ace2Three)
- My11Circle
- Dream11
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1. Google Pay
Google Pay is one of the most trusted and popular UPI payment apps in India. With this app, you can easily transfer money, recharge your mobile, and pay bills. Backed by Google’s strong security, it is completely safe and used by millions of users every day.
Its Refer & Earn program is very simple. When you invite your friends and they complete their first transaction on Google Pay, both you and your friend receive rewards in the form of cashback or scratch cards.
2. PhonePe
PhonePe is a digital wallet and UPI app that allows users to make recharges, bill payments, buy insurance, and even invest. It is part of the Walmart Group and is considered one of the most trusted platforms in India.
Through the Refer & Earn program, PhonePe gives you bonus rewards. When your invited friend makes their first transaction, you earn cashback or discount vouchers that can be directly used for payments or transferred to your bank.
3. Paytm
Paytm is one of the oldest and most well-known wallet apps in India. With this app, users can recharge, shop online, book movie tickets, make travel bookings, and even invest. Its wide reach and strong trust factor make it highly popular.
The Paytm Refer & Earn program allows you to invite your friends and earn good cashback. As soon as your invited friend completes KYC or makes their first transaction, the cashback is credited to your Paytm wallet.
4. Amazon Pay
Amazon Pay is the official payment service from Amazon. It is mainly used for online shopping, recharges, bill payments, and ticket bookings. Users also enjoy regular cashback and offers through this app.
With its Refer & Earn feature, you can earn reward points or cashback. Once your invited friend uses Amazon Pay for the first time, a bonus is credited to your account, which can be spent on shopping and other payments.
5. Freecharge
Freecharge is a digital payment app that helps you with mobile recharges, DTH, electricity, gas, and water bill payments. It is well-known for its fast speed and simple user interface.
When you refer a friend to Freecharge, you earn cashback directly in your Freecharge wallet. Along with this, your invited friends also receive rewards, making it beneficial for both sides.
6. Mobikwik
Mobikwik is a popular digital wallet in India that offers services such as mobile recharges, bill payments, shopping, and even loans. Its unique ‘SuperCash’ reward system makes it stand out.
In the Refer & Earn program, when you invite a friend to Mobikwik and they complete their first transaction, you receive SuperCash. This SuperCash can be used for future recharges and bill payments.
7. BHIM App
BHIM is the official UPI app launched by the Government of India. Known for its simple interface, it enables direct bank-to-bank transfers and works with every Indian bank.
Through the Refer & Earn program, when you invite someone to BHIM and they perform their first transaction, you get an instant cashback reward. This cashback is directly credited to your linked bank account.
8. CRED
CRED is a premium app mainly designed for credit card users. By paying credit card bills through CRED, users earn CRED coins which can be redeemed for shopping discounts and exclusive rewards.
The Refer & Earn program on CRED is equally rewarding. When you invite a friend and they pay their first credit card bill using CRED, you receive cashback, special rewards, or vouchers.
9. Groww
Groww has quickly emerged as one of India’s most popular investment platforms. It allows users to easily invest in mutual funds, stocks, SIPs, and IPOs, with a clean and beginner-friendly interface that makes investing simple for everyone.
With Groww’s Refer & Earn system, you can invite friends, and as soon as they make their first investment, you get rewards such as free stocks or cash bonuses.
10. Upstox
Upstox is a discount brokerage platform in India that allows users to invest in stocks, mutual funds, commodities, and IPOs. It is widely popular due to its low brokerage charges.
When you refer a friend to Upstox and they open and activate their demat account, you earn a referral bonus. This bonus may come in the form of cash or sometimes even free stock rewards.
11. Zerodha
Zerodha is India’s leading stock brokerage platform, and its Kite app makes trading and investing extremely simple. It is trusted by millions of traders.
Zerodha’s Refer & Earn program follows a brokerage-sharing model. This means whenever your invited friend trades, you earn a portion of their brokerage as a lifetime commission.
12. Angel One
Angel One (formerly known as Angel Broking) is a full-service stock broker app in India. It offers a wide range of services, including stocks, mutual funds, IPOs, and advisory solutions.
Through the Refer & Earn program, Angel One provides referral bonuses. When your invited friend opens a demat account and executes their first trade, you receive a cash reward or brokerage credit.
13. PayPal (India)
PayPal is a well-known international payment platform widely used by freelancers and businesses to receive online payments. In India, it is especially popular for handling international transactions securely and conveniently.
Through its Refer & Earn program, PayPal rewards users with a cash bonus. When you invite someone and they receive their first payment via PayPal, you get a reward balance that can be transferred directly to your bank account.
14. CashKaro
CashKaro is a leading cashback and coupon platform that also offers a mobile app. It allows users to earn extra cashback while shopping online across various popular e-commerce sites.
With CashKaro’s Refer & Earn program, you can earn lifetime commissions. Whenever your invited friend shops through CashKaro, you receive a percentage of their cashback earnings as a reward.
15. Meesho
Meesho is a popular reselling app that enables individuals to buy products and resell them at a profit, making it a great platform to start a small business from home.
The Refer & Earn program on Meesho is quite rewarding. When you invite a friend and they place their first order, both you and your friend receive a bonus or discount coupon.
16. Flipkart (Refer & Earn Offers)
Flipkart is India’s largest e-commerce platform where users can shop for electronics, fashion, groceries, and almost every product category. The platform frequently runs Refer & Earn campaigns for its users.
When you invite someone to Flipkart and they make their first purchase, you receive SuperCoins or discount vouchers. These rewards can be redeemed for future shopping on the platform.
17. Swiggy
Swiggy is India’s most popular food delivery app, offering food from restaurants, groceries, and daily essentials via Instamart. It is widely used for its fast delivery and reliable service.
Swiggy’s Refer & Earn program is simple and beneficial. When you invite someone and they place their first food order, both you and your friend earn discount coupons or cashback rewards.
18. Zomato
Zomato is another leading food delivery and dining app that allows users to order meals from restaurants and access exclusive dining offers. It is highly popular across India for its wide restaurant network.
By referring friends to Zomato, both you and your invited user receive discount credits. These credits are automatically applied to your next food order, making dining more affordable.
19. Ola
Ola is India’s largest ride-hailing platform that allows users to book cabs, autos, and bike rides conveniently. It also offers services like Ola Rentals and Ola Electric.
With Ola’s Refer & Earn program, when you invite a friend and they complete their first ride, both you and your friend earn ride credits. These credits can be redeemed on future rides.
20. Uber
Uber is a globally recognized ride-hailing app that is widely used in India for booking cabs and autos quickly and efficiently.
Its Refer & Earn program also provides great value. When your invited friend completes their first ride, you earn ride credits or discounts, which can be applied to your next trip.
21. Rapido
Rapido is a popular bike taxi and auto booking app in India, widely used for short-distance rides due to its affordability and fast service.
Through Rapido’s Refer & Earn program, you receive free ride credits. When your invited friend completes their first ride, both your accounts get the reward, which can be used for future rides.
22. MPL (Mobile Premier League)
MPL is a gaming platform where users can earn money by playing skill-based games. It offers fantasy sports, rummy, and various casual games.
By referring friends on MPL, you can earn cash bonuses. When your invited friend plays their first game and pays the entry fee, the bonus is credited to your wallet, which can be used for gaming or withdrawn to your bank.
23. WinZO
WinZO is a gaming app with over 100 games available, allowing users to participate in tournaments and win cash prizes.
Its Refer & Earn program rewards you with cash bonuses. When someone you invite plays their first game, the bonus is added to your account, which can be used for gameplay or withdrawn to your bank account.
24. Zupee
Zupee is a quiz and casual gaming platform where users can earn money by playing knowledge-based and fun games.
When you refer someone to Zupee and they play their first game, you receive bonus credits. These credits can be used to participate in contests or transferred to your wallet as cash.
25. A23 Games (Ace2Three)
A23 Games is India’s largest online rummy platform, allowing users to play cash rummy games and earn money.
Through the Refer & Earn program, when your invited friend plays their first cash game, you earn a referral bonus. This bonus can be used to play cash tables or withdrawn to your bank.
26. My11Circle
My11Circle is a fantasy sports app where users can create teams for cricket, football, and kabaddi and compete to win real cash prizes.
By referring friends to My11Circle, you earn a cash bonus when your invited friend makes their first deposit. This bonus can be used to join fantasy leagues and win more money, which can later be withdrawn.
27. Dream11
Dream11 is India’s largest fantasy sports platform, where users participate in cricket and other sports tournaments by creating their own teams.
In the Refer & Earn program, Dream11 rewards you with cash when your invited friend makes their first deposit. The bonus balance can be used in contests to earn more winnings.
Conclusion
In today’s world, Refer & Earn apps have become more than just tools for entertainment or convenience—they are now a great way to earn extra income. Whether you use payment apps like Google Pay, PhonePe, Paytm, investment platforms like Groww, Upstox, Zerodha, or gaming apps like MPL, WinZO, Dream11, you have the opportunity to earn cashback, bonuses, and real money rewards by inviting your friends.
Many of these apps even offer lifetime commissions and ongoing cashback, allowing your earnings to grow continuously. By choosing the right apps and using them smartly, you can generate a significant side income or pocket money from the comfort of your home every month.
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