Top 7 Refer and Earn Apps in India – Updated 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? 

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.

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.