Top 10+ Refer and Earn Apps in India – Earn Without Investment 2025

There are multiple ways to earn money online. No one is ready to lose the opportunity when there is a chance to earn money without investment. In such a case, many apps offer a refer and earn program. There are many chances to earn from ₹10 to ₹10,000 Per Referral.

Simply, you can earn cash by referring friends. Below we have listed the highest refer and earn apps and their features in detail. Read to know more about the best app for refer and earn:

What is a Refer and Earn App? 

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Refer and Earn apps let you earn money by recommending the apps to other people, like your friends or family members. The earnings can change depending on the app, but you can pick the one that works best for you. It is time to get ready to refer to earn.

Highest Refer and Earn Apps – Detail List 

1. ExtraPe – Affiliate Marketing App

Referral Earnings – 10%

• Open the ExtraPe app and log in with your details, such as your email ID or personal number.
• Go to profile -> click on the refer and earn option
• You will find the referral link. Share the referral link with your friends or family members to earn the referral bonus.
• You will earn 10% of your friend’s earnings if you use the ExtraPe refer and earn app.

2. PaisaWapas – Best Refer and Earn Apps in India

• Open PaisaWapas app -> Account -> Referral
• Click on the referral option -> Copy the referral code or share the code with your networks via social media.

3. Groww

Referral Earnings – Up to 100/-

Can users refer and earn money? Yes, with the Groww online investing app, users can purchase stocks, mutual funds, exchange-traded funds (ETFs), and more. Both beginner and professional investors will find the site to be easy to use. Along with this, this is the best refer and earn apps India.

Users can ask friends to sign up for Groww’s refer and earn program. Both parties get benefits, like cash bonuses or brokerage credits, when the person they referred joins up and completes their first investment. In addition to offering extra benefits, this program encourages users to join the investment community.

Method of Referral

Use the referral code with your friends to get more benefits. Let’s see here:

• Login Groww app and click on the ‘Refer & Earn’ section.
• Share it with friends, family, or anyone interested in investing.

4. PhonePe – Best App Refer and Earn

Refer & Get – Rs. 50/-

In recent times, earn money by referring apps has become more popular. In that, PhonePe is one of the top 5 refer and earn apps in the leading fintech companies. This app enables users to make online transactions, mobile recharges, bill payments, and more, through a UPI.

This UPI app will give good perks.  Invite your family & friends to make cashless payments using PhonePe to refer and earn money.

Method of Referral

• Log in with the PhonePe app on your device
• Go to Profile -> click on the Refer and Earn option
• Send the referral code to your contact list.

5. Google Pay

Refer & Get – Rs. 201/-

Which app is best for refer and earn? Google Pay is one of India’s top 10 refer and earn apps. Through this app, you can invite your friends to Google Pay. The perk you will get is Rs. 201 when your friend sends their first payment. Also, your friend will get Rs. 21. Use this refer and earn UPI apps and earn on each referral.

Method of Referral

• Log in with your Google Pay Account
• Scroll down to the bottom and click on referrals -> share the code with your friends in the contact.
• Once your referred friend has made the first payment, you will receive Rs. 201 in your account, and your friend will also get Rs. 21.

6. CRED

Referral Earnings – Up to ₹1000 Cashback

Cred is an Indian company that offers various financial services and benefits to users who pay their credit card bills through their app. Also, it is one of the best referral apps.

Credit card users can use this portal, which offers a credit score analysis in addition to managing several cards. By promoting its services, consumers can earn between ₹750 and ₹1,000 through the CRED refer and earn program.

Reward Structure:

Method of Referral

• Log in with the CRED app and click on the ‘Refer & Earn’ section.
• Share your unique referral link with friends or family members.
• You will both get your benefits when your friend joins CRED using your link and pays their first bill during the first month.

7.  FreeCharge

Referral Earnings – Up to ₹5,000 Cashback

The highest referral paying app, called Freecharge, was created to make it easy to pay utility bills and recharge mobile phones and DTH devices. A wide range of services is available to users, such as paying for different utility bills, recharging data cards, postpaid bill settlements, and prepaid cell recharges. With the best feature, this is considered the highest refer and earn app.

Method of Referral

With the best referral earning apps, Freecharge offers a good amount of earning via refer and earn. Read to know:

• Log in with the Freecharge app.
• Click on “Rewards.”
• Click on “Refer & Earn” to get your referral link.
• Share your referral link everywhere.

How to Select the Best Refer and Earn Apps

1. Check the Payout

• Look for a refer earn app that gives real money, not just points or credits.
• Higher referral bonuses = Better rewards.

2. Easy Withdrawal Options

• Prefer refer and earn money apps that offer bank transfer or UPI withdrawal options.
• Avoid apps that make you wait too long.

3. Trusted & Popular Apps

You look for the good reviews and high ratings on the Play Store/App Store before picking app.

4. Low Minimum Payout

Choose apps that let you withdraw with a small amount (₹10–₹100) instead of ₹500+.

5. Transparent Referral System

Make sure the app clearly shows your referral status—like pending, approved, or paid.

Best Referral Program in India

1. Paytm Referral Program

1. App Launched: 2010
2. Rating: 4.6
3. Downloads: 500M+
4. Reviews: 22.5
5. Download link: Paytm App Download
6. Referral and earn: Up to Rs. 125

Paytm is one of the digital payment apps used for wallet, UPI, recharges, bill-payments, movie-/travel-bookings, etc. It is one of the go-to options for multiple uses in the digital payment app list.  Its refer and win scheme gives both the referrer and the new or inactive user rewards once the referred user completes their first UPI transaction.

Steps to Referral

• Open Paytm –> go to Profile –> Refer & Win section.
• Share your referral link/code via WhatsApp / SMS / QR / etc.
• Friend installs/signs up using that code/link and does their first UPI transaction.
• You both get cashback/reward once the transaction is successful.

2. Meesho Referral Program

1. App Launched: 2021
2. Rating: 4.4
3. Downloads: 500M+
4. Reviews: 5.35M
5. Download link: Meesho App Download
6. Referral and earn: Rs. 100

Meesho is a reselling & shopping platform where users can buy/resell products, mostly fashion, home stuff, etc. The referral (invite & earn) gives bonuses or commissions when your referred friend signs up and places orders. In this referral application, you will get money as a Meesho balance in 7 days only after your friend receives their order. The important note is that only if they don’t return it.

Steps to Referral

• Open Meesho app–> go to Account –>Refer & Earn app section.
• Get your unique referral link –> Share it with friends
• When a friend signs up and places a qualifying order (first order), you earn Rs. 100.

3. Mobikwik Referral Application

1. App Launched: 2009
2. Rating: 4.4
3. Downloads: 100M+
4. Reviews: 3.17M
5. Download link: Mobikwik App Download
6. Referral and earn: SuperCash up to Rs 5000

In this new app refer and earn when friends use the wallet and sign up, they can receive points and cashback. Make payments, buy stocks, and receive rewards for every successful referral.

Steps to Referral:

1. Open the MobiKwik app –> find Refer & Earn.
2. Share your referral link or code.
3. Friend installs / signs up using link & performs qualifying action (e.g. adds money to wallet).
4. Both get a reward (SuperCash or credit)

4. Airtel Refer Program 

1. App Launched: 2012
2. Rating: 4.2
3. Downloads: 500M+
4. Reviews: 7.78M
5. Download link: Airtel App Download
6. Referral and earn: Up to Rs. 300

Refer a Friend is a program sponsored by the Airtel Thanks app and other Airtel services that gives users vouchers for bill payments and mobile recharges when they recommend friends. The friend also gets benefits when using this app refer and earn money. The amount varies according to the kind of service (fiber, postpaid, prepaid, etc.).

Steps to Referral:

1. Download the Airtel Thanks app.
2. Tap the profile icon and select “Refer A Friend & Get ₹300.”
3. Share referral link or invite via app through SMS or WhatsApp.
4. When the referral purchases, both users receive the reward.

5. PharmEasy Referral Program

1. App Launched: 2015
2. Rating: 4.5
3. Downloads: 10M+
4. Reviews: 811k
5. Download link: PharmEasy App Download
6. Referral and earn: Up to Rs. 200

PharmEasy is an app that allows users to book and get diagnostic tests and medicines online. It provides lab testing as well as medications and health items to customers’ doorsteps. Discounts or store credit may be offered to new customers or referrals through its referral programs.

Steps to Referral:

1. Open PharmEasy–> look for the Invite Friends / Refer & Earn section.
2. Get your referral code/link.
3. Share with friends.
4. Once your friend is installed and registered, your friend needs to enter the coupon code.
5. Places order / does first purchase/uses service—> you & friend get rewards.

6. MakeMyTrip Referral Application

1. App Launched: 2013
2. Rating: 4.6
3. Downloads: 100M+
4. Reviews: 2.18M
5. Download link: MakeMyTrip App Download
6. Referral and earn: Up to Rs. 2720

One of the top apps for booking travel (flights, hotels, buses, etc.) is MakeMyTrip. Its Refer & Earn program allows you to earn “MyCash” for referring friends (when they sign up, make a booking, etc.) in addition to signup bonuses during specific offers.

In this referral program, when your friend signs up with MakeMyTrip, you get Rs. 20 Mycash & your friend gets Rs. 50 Mycash. Once your friend completes the trip, you get an additional amount of Rs. 200 Mycash + Rs. 5,500 in coupons. Note: Only for 10 referrals you can earn cash.

Steps to Referral:

1. Open MakeMyTrip App –> Visit refer & earn app page

2. Share the referral code with friends/family

3. Once they do sign up, you both get the referral amount.

Final Thoughts

As everyone likes to earn money, in such a case, the above-listed are the best referral earning apps that you can try to earn by referring your friends and family members. Utilise every chance to earn money without investment.

FAQ’s – Refer and Earn Program 

1. How does a Refer and Earn program work?

1. You get a unique referral link/code
2. Share it with your friends/family members
3. Once they sign up and complete a task (like a transaction or order), both of you earn rewards.

2. Which are the best Refer and Earn apps in India?

Some popular ones include ExtraPe, PaisaWapas, Meesho, Airtel Thanks, and MakeMyTrip.

3. Is Refer and Earn free to use?

Yes, it is completely free to use. You don’t need to pay anything to refer your friends.

4. Do my friends also get rewards when I refer them?

Yes, usually, both the referrer and the friend receive rewards when the referral is successful.

5. Is it safe to use Refer and Earn apps?

Yes, as long as you use trusted apps from official app stores like Google Play or Apple App Store.

6. Can I use multiple Refer and Earn apps together?

Of course, yes. You can earn from different apps like ExtraPe, PaisaWapas, Paytm, Meesho, and PharmEasy at the same time.

7. Can I withdraw my referral earnings as cash?

Some apps allow direct bank or wallet transfer (like Paytm or Mobikwik), while others give credits or coupons.