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Top 16 Refer And Earn Apps In India For 2026

Aug 20, 2026

Pareeshti Rao

Ever recommended an app to a friend because it genuinely made your life easier? Refer and earn apps reward you for doing exactly that. Share your unique referral link, and when someone signs up and completes a qualifying action, such as KYC, making a payment, or placing their first order, you earn a reward. Depending on the app, this could be cash, cashback, vouchers, or reward points. 

With hundreds of apps offering referral bonuses, it can be hard to know which ones are worth your time. That’s why we’ve rounded up the 15 best refer and earn apps in India for 2026, comparing their referral rewards, eligibility criteria, and payout details so you can start earning right away.

Types Of Refer & Earn Apps

Refer and earn apps reward you for inviting friends to join. You can earn cashback, bonuses, and more across different types of apps. Here are some popular categories of Refer & Earn apps to explore:

1. Shop & Earn: E-Commerce Apps

E-commerce apps are platforms where you can shop for a wide range of products online. These apps often have referral programs that reward you for inviting friends to join and make purchases.

For example: Amazon and Flipkart offer referral bonuses in the form of discounts or cashback when your friends make their first purchase through your referral link.

2. Pay & Prosper: Payment Apps

Payment apps enable digital transactions, allowing users to send and receive money, pay bills, and more. These apps often have referral programs that reward users for bringing in new members.

For example: Paytm and Google Pay offer cashback or points when you refer friends who then start using the app for their transactions.

3. Invest & Invite: Investment Apps

Investment apps help users manage their investments, whether in stocks, mutual funds, or other financial instruments. These apps often provide referral bonuses to users who invite friends to join the platform.

For example: Groww and Zerodha offer rewards when your friends sign up and start investing. For Zerodha, brokerage-share eligibility requires at least 3 successful referrals in the past 12 months

4. Game & Gain: Gaming Apps

Gaming apps are mobile platforms where users can download and play various games. Many of these apps have referral programs that reward users for inviting friends to join and play.

For example: PUBG Mobile and Candy Crush Saga offer in-game bonuses or extra lives when you refer friends who then download and play the game. Availability depends on your state’s fantasy-sports regulations.

5. Order & Offer: Food Delivery & Ride-Hailing Apps

These apps provide services for food delivery and ride-hailing, making it easy to order meals or book rides. They often have referral programs that offer incentives for bringing in new users.

For example: Uber and Swiggy provide discounts or free rides/meals when you refer friends who then use the app to place orders or book rides.

For grocery and quick-commerce, Blinkit, Zepto, and Swiggy Instamart occasionally offer referral promotions, so check their apps for the latest offers and terms.

Top Refer & Earn Apps In India (2026)

1. CRED

CRED is a fintech platform that rewards users for paying their credit card bills on time with CRED coins. CRED has more than 15 million monthly active users in 2026 and remains one of India’s most-installed credit-card management apps.

Refer & Earn with CRED: CRED now uses a tiered referral model. You earn ₹200 at Level 1, ₹250 at Level 2, ₹350 at Level 3, and up to ₹500 per referral at Level 4. The referred user needs to make an eligible credit-card bill payment within the qualifying window. There is no cap on the number of referrals, but higher tiers unlock only after completing referrals at earlier levels.

How to Refer with CRED

1. Open the CRED App: Go to the profile section.
2. Tap on “Refer & Earn”: Share your referral link.
3. Earn Rewards: Once your friend joins and completes their first payment, you earn the referral reward.

2. PhonePe

PhonePe is one of India’s leading digital payment platforms, offering services such as UPI, mobile recharges, bill payments, and more. Known for its easy-to-use interface, PhonePe is trusted by millions of users nationwide.

Refer & Earn with PhonePe: Through the Refer & Earn program, users can earn cashback for each successful referral. When someone registers on PhonePe using a referral link and completes a qualifying transaction of at least ₹100, the referrer receives a scratch card typically worth ₹100 to ₹200. The exact amount varies with active campaigns and is not fixed.

How to Refer with PhonePe:

1. Open the PhonePe App: Go to the ‘My Money’ section.
2. Tap on “Refer & Earn”: Share your referral link with friends.
3. Earn Rewards: Receive cashback after your referral completes their first transaction.

3. Google Pay

Google Pay is a widely used digital wallet platform offering secure and fast UPI payments, mobile recharges, and bill payments. It also partners with various bank accounts for easy transfers.

Refer & Earn with Google Pay: GPay users can earn rewards for every referral. When a friend signs up on Google Pay using a referral code and makes their first UPI transaction, the referrer typically receives up to ₹201 and the friend up to ₹21, though the exact split changes with promotional campaigns.

How to Refer with Google Pay:

1. Open the Google Pay App: Head to the ‘Rewards’ or ‘Promotions’ section.
2. Tap on “Invite Friends”: Share your unique referral code.
3. Earn Rewards: After the first transaction by your friend, both parties get a reward.

4. My11Circle

My11Circle is a fantasy sports platform that allows users to create teams and earn rewards based on real-game performance, covering sports like cricket and football. There are many ways to save with My11Circle, referrals being amongst the easiest ways.

Refer & Earn with My11Circle: Users earn ₹551 as a referral bonus for every successful referral. The referred friend must download My11Circle using the referral link and make their first deposit. The referred user also gets ₹51 play money and a ₹100 cash bonus once they play their first contest.

How to Refer with My11Circle:

1. Open the My11Circle App: Head to the ‘Refer & Earn’ section.
2. Share Referral Link: Copy and send your referral link to your friends.
3. Earn Rewards: You’ll receive ₹551 in your account once your friend makes their first deposit.

Note: Real-money fantasy sports is restricted or banned in Andhra Pradesh, Assam, Nagaland, Odisha, Sikkim, Telangana, and select other states. Refer only friends in permitted states to avoid your referral being invalidated.

5. Upstox

Upstox is a stock trading and investment platform with an intuitive design suitable for both beginners and seasoned investors. It provides access to stocks, mutual funds, IPOs, and more.

Refer & Earn with Upstox: Earn ₹500 per referral after your friend signs up using your link and completes KYC and their first trade or investment. Upstox also offers additional deals and discounts for referrals during its major promotions

How to Refer with Upstox:

1. Open the Upstox App: Go to the ‘Refer & Earn’ section in the app.
2. Share Referral Link: Copy, paste, and send your referral link.
3. Earn Rewards: Receive ₹500 once your friend completes the KYC and a qualifying trade.

6. RozDhan

RozDhan is an app where users can earn money by completing various activities such as reading the news, playing games, and watching videos.

Refer & Earn with RozDhan: Users can earn ₹12 or more for each successful referral. The referred user must sign up and complete the basic tasks listed in the app for both parties to receive rewards. RozDhan also runs a level-based system, so the per-referral amount rises as your invite count grows, capping at around ₹8.5 per referral for active referrers.

How to Refer with RozDhan:

1. Open the RozDhan App: Log In and head to the ‘Income’ tab.
2. Tap on ‘Invite Friends’: Get your unique referral code and share it with your friends.
3. Earn Rewards: Both you and your friend get a reward within 48 hours when they sign up and complete the tasks.

7. Groww

Groww is an investment platform that enables users to invest in mutual funds, stocks, and other financial products through an easy-to-use interface.

Refer & Earn with Groww: Users earn ₹100 to ₹300 for each referral (the exact amount depends on the ongoing campaign) once the referred user completes the KYC process and starts investing. This reward is credited in the form of Groww credits, redeemable within the platform.

How to Refer with Groww:

1. Open the Groww App: Go to the ‘Refer & Earn’ section.
2. Share Referral Link: Copy and share your referral link.
3. Earn Rewards: Get rewarded after your referral completes KYC and begins investing and saving with Groww.

8. CashKaro

CashKaro is a cashback and coupon site that offers users cashback on purchases made through affiliated e-commerce platforms like Amazon, Flipkart, and Myntra.

Refer & Earn with CashKaro: Users can earn up to 10% of the cashback earned by their referrals for a lifetime. The referred friend must create an account and shop using CashKaro links.

How to Refer with CashKaro:

1. Open the CashKaro App: Head to the menu tab and select the ‘Refer & Earn option.
2. Share Referral Link:  Copy your unique link and share it with your friend.
3. Earn Rewards: When your friends sign up using your referral link and make their first purchase through CashKaro, you will earn 10% of their cashback amount every time they shop.

9. Paytm

Paytm is one of India’s leading payment platforms, known for its wide range of services, including mobile recharges, bill payments, and ticket bookings.

Refer & Earn with Paytm: Users can earn rewards for referrals. When a friend registers with Paytm and completes a qualifying transaction, both users receive Paytm deals in the form of cashback, typically up to ₹125.

How to Refer with Paytm:

1. Open the Paytm App: Log in and tap on the “Refer & Earn” banner located at the bottom of the homepage.
2. Share Referral Link: Click on “Refer via WhatsApp” or choose “More Options” to share your unique referral link.
3. Earn Rewards: When your friends complete their first UPI transaction (minimum ₹1) within 7 days, you will receive Paytm Cashback.

10. Slice

Slice is now a full-service neobank following its merger with North East Small Finance Bank, and offers the Slice UPI credit card along with savings, UPI, and BNPL features. The Slice credit card is issued with no joining or annual fee.

Refer & Earn with Slice: Slice raised its referral bonus to ₹500 in 2026. When a friend joins Slice using your referral code and completes their first UPI transaction with the Slice card, both parties receive the ₹500 cashback.

How to Refer with Slice:

1. Open the Slice App: Head to the ‘Rewards’ tab and click on the ‘Refer & earn’ option.
2. Share Referral Link: Copy, paste, and share your referral link.
3. Earn Rewards: Receive “Slice Cash” or cashback once your friend completes their first spend.

11. Zerodha

Zerodha is a leading brokerage firm in India, known for its innovative trading platforms and low brokerage fees. It has revolutionized the way people trade in the stock market by offering a seamless and cost-effective trading experience.

Refer & Earn with Zerodha: Zerodha’s Refer & Earn program allows users to earn 300 reward points for each successful referral. These points can be used to access various tools and platforms within the Zerodha ecosystem. Users also earn 10% of the brokerage paid by your referred users, provided you’ve made at least three successful referrals in the last 12 months.

How to Refer with Zerodha:

1. Open the Zerodha App: Go to the “Console” section.
2. Tap on “Rewards & Referrals”: Share your unique referral link.
3. Earn Rewards: Once your friend opens an account and starts trading, you earn the referral reward.

12. Mobikwik

Mobikwik is a popular digital wallet and payment platform in India, offering a wide range of services including mobile recharges, bill payments, and online shopping. The easiest way to get Mobikwik coupon codes or offers is through their referrals.

Refer & Earn with Mobikwik: Mobikwik’s Refer & Earn program allows users to earn ₹100 SuperCash for each successful referral. When a friend signs up using your referral code and adds ₹50 to their wallet, both you and your friend receive ₹100 SuperCash.

How to Refer with Mobikwik:

1. Open the Mobikwik App: Go to the “Refer & Earn” section.
2. Click on “Invite Friends”: Get your unique referral code and send it to your friends.
3. Earn Rewards: Once your friend signs up and adds ₹50 to their wallet, you both earn ₹100 SuperCash.

13. 5Paisa

5Paisa is a discount brokerage firm that offers a range of financial services including stock trading, mutual funds, and insurance.

Refer & Earn with 5Paisa: 5Paisa’s Refer & Earn program allows users to earn ₹250 for each successful referral. When a friend opens a trading and Demat account using your referral link, you receive the reward.

How to Refer with 5Paisa:

1. Open the 5Paisa App: Log in and go to the “Refer & Earn” section from the main menu.
2. Click on “Invite Friends”: Get your referral link & copy and share it.
3. Earn Rewards: Once your friend opens a trading & Demat account and starts trading, you earn ₹250.

14. Amazon Pay

Amazon Pay is a digital wallet service offered by Amazon that allows users to make payments for various services and products seamlessly.

Refer & Earn with Amazon Pay: Amazon Pay’s Refer & Earn program allows users to earn cashback for each successful referral. When a friend signs up using your referral link and completes their first UPI transaction, you receive cashback of ₹75 to ₹150, with the exact amount depending on the ongoing campaign.

How to Refer with Amazon Pay:

1. Open the Amazon App: Go to the Amazon Pay section.
2. Tap on “Invite & Earn”: Share your referral link.
3. Earn Rewards: Once your friend completes their first UPI transaction, you earn the cashback.

15. Meesho

Meesho is a social commerce platform that enables small businesses and individuals to start their online stores with zero investment. Founded in 2015 and headquartered in Bengaluru, Meesho connects sellers with customers through social media channels like WhatsApp, Facebook, and Instagram.

Refer & Earn with Meesho: Meesho’s Refer & Earn program allows users to earn rewards by referring friends to the platform. When a friend signs up using your referral link and places their first order, you receive a reward.

How to Refer with Meesho:

1. Open the Meesho App: Go to the Meesho app on your device.
2. Tap on “Refer & Earn”: Find and tap on the “Refer & Earn” option.
3. Share Your Referral Link: Share your unique referral link with friends and family.
4. Earn Rewards: Once your friend places their first order, you earn the reward. There is no limit to the number of referrals you can make.

16. GrabCash

GrabCash is an affiliate platform that lets users earn commission by sharing product links from Amazon, Flipkart, Myntra, Ajio and other partner stores. Its referral program sits in a different category from the flat-bonus models above, and is worth calling out for that reason.

Refer & Earn with GrabCash: Instead of a one-time signup bonus, GrabCash pays you 10% of every rupee your referred user earns on the platform, for as long as they remain active. There is no expiry, no cap on referrals, and no KYC requirement to sign up. If your friend earns ₹500 through GrabCash in a month, you earn ₹50 that month, and it continues month after month for as long as they are active

How to Refer with GrabCash:

• Sign up or log in at grabcash.in, or download the app from the Appstore or Google Play.
• Head to your dashboard and click on the “Refer & Earn” tab in the left sidebar.
• Copy your unique referral link and share it with friends over WhatsApp, Telegram, or social media.
• When your referral signs up and starts earning, 10% of their profit lands in your dashboard wallet, withdrawable to your bank or UPI.

Why Choose Refer & Earn Apps

Some of the most compelling reasons to choose referral programs and earn are:

• To Earn Extra Money Easily: Many apps offer huge rewards for referrals, allowing you to make extra income with minimal effort.
• To Start Earning Without Investment: You can start earning without any upfront costs, making it accessible for everyone.
• To Build Trust Through Recommendations: People trust referrals from friends and family more than ads, making it easier to get others to join.
• To Earn Flexibly at Your Pace: You can refer people at your own pace, fitting it around your schedule.
• To Enjoy Additional Perks: Besides cash, you can earn discounts, vouchers, and exclusive access to services.

While referral bonuses are one way to earn, there are also apps that pay you for completing tasks, selling products, investing, or freelancing. Explore our list of the best real money earning apps in India to find more earning opportunities.

How To Earn And Save More Through Referrals

Stay Updated: Regularly check the apps for new referral campaigns and bonus offers. Some apps offer limited-time promotions that can boost your earnings.

Maximize Your Network: Share your referral links across multiple platforms like WhatsApp, Facebook, and Instagram to reach a wider audience.

Engage with Your Referrals: Follow up with your friends to ensure they complete the actions to qualify for the referral reward.

Combine Offers: Use the cashback and rewards earned from referrals along with other discounts and offers available on the app to maximize your savings.

Read the Fine Print: Always read the terms and conditions of the referral programs to understand the eligibility criteria and avoid missing out on rewards due to technicalities

FAQs

Which is the highest-paying refer and earn app in India in 2026?

My11Circle sits at the top for a single-referral payout with ₹551. CRED, Slice, and Upstox all pay ₹500. Broker referrals can exceed all of these over time through the 10% brokerage-share model, but only if you keep adding at least three referrals every 12 months.

How much can I actually earn from refer and earn apps per month?

Most users with a WhatsApp network of 100 to 200 contacts pull ₹500 to ₹2,000 a month by mixing payment, investment, and shopping apps. Active promoters running multiple platforms cross ₹5,000 to ₹15,000. Anything above that usually involves a social page, a YouTube channel, or an affiliate blog doing the heavy lifting.

Is refer and earn income taxable in India?

Cashback and referral credits under ₹50,000 in a financial year fall under the gift threshold and stay tax-free. Cross that ceiling and the whole amount becomes taxable as income from other sources at your slab rate. Broker referrals paying you a share of brokerage are business income regardless of the amount, and TDS may apply.

What is the difference between refer and earn and affiliate marketing?

Refer and earn is a fixed-reward program run by an app for its own users, triggered by a specific action like a sign-up or first payment. Affiliate marketing is a commission model where you earn a percentage every time a purchase is completed through your unique link, usually on an ongoing basis. A few platforms blur the line. GrabCash is one of them. It’s an affiliate platform where the referral program itself pays 10% of the referred user’s ongoing affiliate earnings, giving it the recurring shape of affiliate income rather than the one-shot payout of typical refer-and-earn apps.

How long does it take to receive the referral reward?

UPI apps like PhonePe, Paytm, and Google Pay credit within minutes to 48 hours. Investment apps take a week or two after KYC completes. BNPL and shopping apps can take up to a month. Broker referrals with brokerage share settle monthly.

What is the safest way to share my referral code?

Personal WhatsApp chats and groups of people you actually know convert best. Public Telegram broadcast groups and Quora threads pull installs from users who abandon the app before hitting the qualifying action, which means no reward for you.

Which refer and earn apps are best for students in India?

Google Pay, PhonePe, Slice (18 and above), and Amazon Pay convert best because most peers already need those apps. Broker referrals also work in college groups since first demat accounts tend to cluster in the early twenties.

Are refer and earn apps a reliable source of income?

No, and anyone marketing them as one is usually selling a course. They work as supplementary earnings, a way to pull ₹500 to ₹2,000 from a network you already have, or to make back the cost of apps you were signing up for anyway. Even the recurring-payout models depend on your referrals staying active month after month, which most casually onboarded users do not.