Almost everyone has a smartphone these days, but did you know it can also be a way to earn extra cash? Many people in India are using refer and earn programs to make money by simply sharing referral links with friends or family. From paying bills and shopping online to investing or completing small tasks, these programs reward you for actions that take just a few minutes to complete.
No special skills or large investments are needed, just a little effort and a network of people. Whether you are a student, a working professional, or a homemaker, these apps provide an easy way to earn money without investment online. In this blog, we’ve listed the top 15 refer and earn apps in India, along with details on how they work and tips to maximize your earnings.
How Refer and Earn Apps Work
The concept behind refer and earn apps is simple:
- Sign Up: Download and register on the app.
- Get Your Referral Link: Once registered, you’ll receive a unique referral code or link.
- Share the Link: Share this link with your network via social media, messaging apps, or other platforms.
- Earn Rewards: When someone uses your link to sign up and completes the required actions (such as making a purchase, completing a task, or signing up), you earn rewards.
These rewards can vary from cash deposits to vouchers or even products, depending on the app’s policy.
List of Top 15 Refer and Earn Apps
1. GroMo – Earn by Helping People Manage Finances
GroMo lets you earn money by referring friends to buy insurance, loans, and investment plans. You can earn up to ₹2,100 after your referral completes 5 sales. The app is beginner-friendly, with tracking tools to monitor referrals and calculate earnings.
Payouts are smooth and go directly to your bank account. Ideal for students, professionals, or homemakers looking to earn extra income while helping others make smart financial choices.
How It Works:
- Sign up and get your unique referral link.
- Share the link via WhatsApp, Instagram, or SMS.
- Earn rewards when referrals purchase financial products.
Tip to Maximize Earnings:
- Focus on friends exploring financial products; they’re more likely to convert.
2. Paytm Money – Referral Rewards for Smart Investments
Paytm Money allows you to earn by referring friends who invest in mutual funds or stocks. You earn ₹300 on signup and ₹200 when the referred friend invests ₹1,000 or more. The app is integrated with the Paytm ecosystem, making it trustworthy and easy to use.
It’s perfect for beginners who want to start investing and earn at the same time. Payouts are fast, and tracking referrals is simple through the app.
How It Works:
- Share your referral link after signing up.
- Friend invests at least ₹1,000.
- Receive the reward once the investment is complete.
Tip to Maximize Earnings:
- Explain the benefits of mutual funds to your friends; it increases referral success.
3. Upstox – Earn While Your Friends Trade
Upstox is a stock trading platform that rewards you for bringing new users. You can earn ₹500–₹1,200 per referral who opens a Demat account and starts trading. The app is beginner-friendly with a simple interface for account opening and trading. Its competitive brokerage rates attract a wide audience. Smooth payouts and easy referral tracking make it a favorite among stock enthusiasts.
How It Works:
- Share your referral code.
- A friend opens a Demat account and starts trading.
- Earn a reward based on their trading activity.
Tip to Maximize Earnings:
- Share educational trading guides with friends to encourage activity.
4. PhonePe – Scratch Cards & Cashback Rewards
PhonePe is one of the most popular refer and earn apps, rewarding users for referring friends who complete transactions. Scratch card rewards range from ₹100–₹1,000. The app is widely used and simple for payments, recharges, and bill payments. Payouts are instant through scratch cards, and the app provides clear tracking. Ideal for those who frequently use digital payments and want to earn extra cash easily.
How It Works:
- Share your referral code.
- Friend completes their first payment.
- Scratch card reveals your reward.
Tip to Maximize Earnings:
- Share with users who are new to digital payments for quicker results.
5. Google Pay – Trusted Referral Earnings
Google Pay offers up to ₹300 for each referral who completes a UPI transaction within 7 days. It’s backed by Google, making it highly trustworthy. The app is beginner-friendly and integrates seamlessly with bank accounts. Referral tracking is easy, and payouts are direct to your account. Perfect for users looking for simple, reliable earnings through referrals.
How It Works:
- Invite friends using your referral code.
- Friend completes their first transaction.
- Receive the reward automatically.
Tip to Maximize Earnings:
- Target friends who haven’t used UPI yet; they’re more likely to transact.
6. Meesho – Referral Rewards Through Social Selling
Meesho lets you earn by referring friends who start selling products online. You earn a commission from their sales, making it a long-term income source. The app is beginner-friendly, has a wide range of products, and supports social commerce through WhatsApp and Instagram.
Payouts are fast, and referral tracking is simple. It’s great for those who enjoy online selling and social networking.
How It Works:
- Invite friends to join Meesho.
- A friend sets up a store and starts selling.
- Earn commission on every sale they make.
Tip to Maximize Earnings:
- Encourage friends to sell high-demand products like fashion or electronics.
7. Zerodha – Stock Trading Referral Program
Zerodha allows users to earn 10% of brokerage fees from their referrals. The app is beginner-friendly and popular for stock trading. Its transparent fee structure and advanced trading tools make it attractive for users. As one of the most reliable refer and earn programs in the trading space, it ensures smooth payouts and easy referral tracking. This is ideal for people with friends who are interested in trading and investing.
How It Works:
- Share your referral link.
- A friend opens a trading account and starts trading.
- Earn a percentage of their brokerage fees.
Tip to Maximize Earnings:
- Focus on friends who are keen on stock trading; they generate higher fees.
8. Groww – Referral Rewards on Investments
Groww pays up to ₹10,000 per referral based on their investment. The app is beginner-friendly with mutual funds and stock investment options. Smooth payouts and referral tracking make it easy to earn consistently. It’s perfect for anyone looking to earn extra while helping friends start investing.
How It Works:
- Share your referral link.
- Friend invests through Groww.
- Earn referral rewards based on investment size.
Tip to Maximize Earnings:
- Share with friends who want to start investing; they’re more likely to join.
9. ySense – Surveys & Microtasks
ySense is a global platform where users can earn money by completing surveys, microtasks, and referring friends. Each referral who completes tasks can earn you ₹200, making it a reliable side income option. The app is beginner-friendly, allowing easy tracking of referrals and payouts.
With a wide variety of surveys and tasks, it caters to students, freelancers, and casual earners. Payouts are fast, and the platform supports multiple payment methods. It’s ideal for anyone who enjoys small online tasks and wants a consistent extra income.
How It Works:
- Share your referral link.
- Friend joins and completes tasks.
- Earn a reward for each successful referral.
Tip to Maximize Earnings:
- Share with friends who enjoy online surveys or microtasks; they’re the most active.
10. CRED – Rewards for Paying Credit Cards
CRED rewards users for referring friends who pay their credit card bills through the app. You can earn up to ₹1,000 per referral, making it one of the most lucrative referral programs. The app is beginner-friendly and ensures smooth payouts. It also encourages responsible financial habits by rewarding timely bill payments.
The platform offers a clean, easy-to-use interface and exclusive rewards like vouchers and discounts. It’s perfect for credit card users who want to earn rewards while helping friends manage finances efficiently.
How It Works:
- Share your referral code.
- Friend pays their credit card bill via CRED.
- Receive your reward directly.
Tip to Maximize Earnings:
- Target credit card users get rewards faster.
11. CashKaro – Cashback & Referral Rewards
CashKaro lets you earn money by sharing shopping links with friends and family. You receive a commission whenever your referrals make purchases using your links. The app supports multiple e-commerce platforms and is beginner-friendly with easy tracking. Payouts are direct to your bank or wallet, making earning smooth and hassle-free.
As one of the most popular refer and earn apps, CashKaro allows users to combine cashback benefits with referral income, making it ideal for online shoppers looking for extra earnings. It’s especially effective for those with an active network of shoppers.
How It Works:
- Share product links via your referral ID.
- Friend purchases through the link.
- Earn a commission on each sale.
Tip to Maximize Earnings:
- Share high-demand products and deals; they attract more buyers.
12. Roz Dhan – Microtasks & Referral Income
Roz Dhan is a versatile app where users can earn through microtasks, reading news, and referrals. Each successful referral earns fixed rewards, making it a simple way to generate side income. The platform is beginner-friendly and allows easy tracking of tasks and referrals. Payouts are fast, and the app is ideal for students, freelancers, or anyone with free time looking for reliable money making apps.
With engaging tasks and an intuitive interface, Roz Dhan makes earning fun and convenient. It’s perfect for casual earners who want multiple ways to make money from their phones.
How It Works:
- Share your referral link.
- Friend completes tasks.
- Receive a fixed reward per referral.
Tip to Maximize Earnings:
- Share with friends who enjoy online tasks, and they complete them faster.
13. EarnKaro – Affiliate Marketing Made Easy
EarnKaro allows you to earn commission by sharing product and deal links with friends. Every time a referral purchases through your link, you earn a percentage of the sale. The app is beginner-friendly and supports multiple product categories, including fashion, electronics, and more. Payouts are smooth, and referral tracking is simple.
It’s perfect for users who want to combine online shopping and earning or run a small affiliate business. With consistent sharing, it can become a steady source of extra income.
How It Works:
- Share affiliate links via your referral code.
- Friends purchase products.
- Earn commission per sale.
Tip to Maximize Earnings:
- Focus on products with high discounts, as they attract more buyers.
14. TaskBucks – Complete Tasks & Refer
TaskBucks lets users earn through daily tasks, app downloads, and referrals. You can earn cash or mobile balance for each referral who joins and completes activities. The app is beginner-friendly and ensures smooth payouts.
With a variety of simple tasks and a straightforward interface, it’s ideal for students and casual earners, making it one of the most reliable earning apps for students. TaskBucks makes it easy to earn in your free time while tracking your referrals and rewards efficiently.
How It Works:
- Share your referral link.
- Friend completes tasks or downloads apps.
- Earn rewards per referral.
Tip to Maximize Earnings:
- Encourage friends to do daily tasks; it increases earnings consistently.
15. Pocket Money – Surveys, Tasks & Referrals
Pocket Money is an app that offers earning opportunities through surveys, microtasks, and referrals. Each referral who completes tasks earns you cash rewards. As one of the popular refer and earn apps, it is beginner-friendly with instant payouts and simple tracking. It’s suitable for casual earners, students, and anyone looking for a reliable side income.
With engaging surveys and tasks, users can earn in their free time while sharing the app with friends for additional rewards. Pocket Money combines ease of use with consistent earning potential.
How It Works:
- Invite friends using your referral code.
- Friend completes tasks or surveys.
- Receive cash rewards for each referral.
Tip to Maximize Earnings:
- Share with friends active on social media, and they complete tasks faster.
Comparison Table of Refer and Earn Apps
| App Name | Referral Reward | Platform Availability | Unique Feature |
| GroMo | ₹2,100 | Android | Financial product sales |
| Paytm Money | ₹300 + ₹200 | Android, iOS | Investment platform |
| Upstox | ₹500–₹1,200 | Android, iOS | Stock trading |
| PhonePe | ₹100–₹1,000 | Android, iOS | Digital payments |
| Google Pay | Up to ₹300 | Android, iOS | UPI-based transactions |
| Meesho | Commission per sale | Android, iOS | Social commerce |
| Zerodha | 10% of brokerage fees | Android, iOS | Stock brokerage |
| Groww | Up to ₹10,000 | Android, iOS | Investment platform |
| ySense | ₹200 | Android, iOS | Surveys and tasks |
| CRED | Up to ₹1,000 | Android, iOS | Credit card bill payment |
| CashKaro | Commission per sale | Android, iOS | Cashback and coupons |
| Roz Dhan | Fixed amount | Android | Micro-tasking |
| EarnKaro | Commission per sale | Android | Affiliate marketing |
| TaskBucks | Mobile balance or cash | Android | Task completion |
| Pocket Money | Cash | Android | Surveys and tasks |
Conclusion
Refer and earn apps have become one of the easiest ways to earn extra money. Whether you are a student, a working professional, or a homemaker, these apps let you use your network to generate side income without any investment. The best part is that most apps are beginner-friendly, offer smooth payouts, and provide real rewards for genuine referrals.
By sharing referral links with friends and family, completing tasks, or helping others start investing or shopping, you can create a steady stream of extra income. The key is to choose apps that match your interests, track your referrals consistently, and share with people who are likely to use the service. With the right approach, earning through refer and earn programs can become both fun and rewarding.
FAQs
1. Are Refer and Earn Apps Safe?
Yes, popular apps like GroMo, Paytm Money, and CRED are secure. Always use official apps.
2. Do I Need to Invest Money?
No, most apps let you earn without investment. Some investment apps may require a small minimum amount.
3. How Much Can I Earn?
Earnings vary from ₹100 to ₹10,000 per referral, depending on the app.
4. How Do I Get Payouts?
Most apps pay directly to your bank, UPI, or digital wallet.
5. Can I Use Multiple Apps at Once?
Yes, you can use several apps simultaneously to maximize earnings.
6. Do I Need Experience?
No, all apps are beginner-friendly with simple steps and tutorials.
