Ever imagined that earning extra money on the side could be that easy? If you are interested in finding easy ways to increase your income, you are at the right place.
As incredulous as it may sound, some of the apps you currently have on your phone can help you earn money. Sounds surprising, right? Many of the popular apps today have referral programs through which you can earn simply by sharing them with others.
In this post, we’ll guide you through some of the best refer and earn apps in India and how you can get started earning from them today. But before we get down to the details, let’s have a brief look at the kind of perks these apps provide.
What are Refer and Earn Apps?
As the name suggests, refer and earn apps are apps for mobile devices which reward their users for inviting others to use their platform. Such apps have a unique referral link or code that can be passed to friends, family, or even social media.
When a person registers or makes a transaction using that code, both the referrer and the new user tend to be rewarded, either in cash, discounts, or points. It is a win-win system that will benefit the app with the growth of its user base, and people will earn extra income easily with little effort involved.
Benefits of Using Refer and Earn Apps
Refer and earn is now one of the easiest ways to make a side income, especially for students, homemakers and anyone with a smartphone. One of the major benefits is that you don’t have to spend any money to start. These apps are free to use, and all you need to do is share a referral code/link with others.
What makes it so attractive is the dual benefit system – you and the person whom you refer both get rewards. This may range from instant cash back, discount coupons, wallet credits, or direct bank transfers. The more people you refer, the more you earn, which makes it scalable and flexible as a source of income.
Other key benefits include:
- Zero investment required – no money needed to get started.
- Quick setup – sign up and share your code in minutes.
- Flexible earning – share links anytime, anywhere.
- Trusted platforms – many major apps like Swiggy and Paytm offer this feature.
- Scalable – the more people you refer, the more you can earn.
Types of Refer and Earn Apps You Can Use
In India, various categories of refer and earn apps exist. Some of the most popular types include:
- Food Delivery Apps – e.g., Swiggy, Zomato.
- Payment/Wallet Apps – e.g., Paytm, PhonePe, Google Pay.
- Shopping Apps – e.g., Meesho, Flipkart, Amazon.
- Learning Apps – e.g., Byju’s, Unacademy.
- Finance Apps – e.g., Groww, Upstox, Zerodha.
- Gaming & Fantasy Sports – e.g., Dream11, MPL.
Each app has its own reward scheme that includes instant cash back and vouchers as well as redeemable points and cash credits.
List of Top 10 Refer and Earn Apps in India 2025
| No. | App Name | Referral Reward Details |
| 1 | Big Cash | Up to ₹50,000 |
| 2 | MobiKwik | Up to ₹5,000 SuperCash |
| 3 | Paytm Money | ₹400 per referral + up to 50% revenue share |
| 4 | FreeCharge | Up to ₹5,000 |
| 5 | CRED | Up to ₹1,000 |
| 6 | Groww | < ₹100 |
| 7 | Upstox | < ₹800 |
| 8 | Vision11 | ₹300 |
| 9 | CashKaro | Up to ₹300 |
| 10 | Meesho | 25% commission for the first 3 orders |
1. Big Cash
Big Cash is a popular gaming app in which real money can be earned by playing skill-based games such as rummy, carrom or fantasy sports. Its referral program is one of the most rewarding in the segment, as it provides up to ₹50,000 in earnings for inviting friends. You begin earning a commission as soon as your referral signs up and begins playing.
Big Cash’ platform is user-friendly, and you can track your referrals and earnings in real time. A lot of games and cash contests, it is fun to earn serious online money. A standout in the refer and earn apps list.
Referral Earnings – Up to ₹50,000
How to refer and earn on Big Cash?
- Open the Big Cash application and log in.
- Click on the “Refer & Earn” option in your dashboard.
- Share your referral link/code with friends through WhatsApp, Telegram or SMS.
- Motivate them to download the app and begin playing games.
- As soon as your friends begin to play and deposit, you earn a reward which can go up to ₹50,000.
Big Cash App details
| Big Cash | Android |
| Installs | 10M+ |
| Ratings | 4.1/5 |
| Reviews | 120K+ |
| Compatibility | 5.0 and up |
| Download link | Visit |
2. MobiKwik
MobiKwik is one of the most trusted digital wallets and payment platforms in India. Other than fast payments and recharges, it also has a lucrative refer-and-earn program. Users can be rewarded with up to ₹5,000 in SuperCash by referring friends who register and transact through the app.
The process is smooth and prompts users to invite others to benefit from payment offers, wallet cashbacks and bill pay rewards.
Referral Earnings – Maximum ₹5,000 SuperCash
How to Refer and Earn in MobiKwik?
- Open the MobiKwik application and navigate to the “Refer & Earn” section.
- Share the referral link with friends through social or messaging platforms.
- Your friend has to register and make a transaction.
- The moment it does, both of you receive SuperCash immediately.
- You can refer more than one friend and earn up to ₹5,000 total.
MobiKwik App details
| MobiKwik | Android |
| Installs | 50M+ |
| Ratings | 4.4/5 |
| Reviews | 1M+ |
| Compatibility | 5.0 and up |
| Download link | Visit |
3. Paytm Money
Paytm Money is a popular investment platform that enables users to trade stocks, mutual funds, and other products. From its refer and earn program, you can earn ₹400 per referral plus up to 50% brokerage share when your invitees begin trading.
It’s perfect for those who want to earn long-term passive income by referring active traders, if they are interested in the stock market.
Referral Earnings – ₹400 per referral + 50% brokerage share (upto)
How to Refer and Earn on Paytm Money?
- Open Paytm Money and click on “Refer & Earn”.
- Copy your referral code or link to refer others.
- Share this link with friends interested in investing or trading.
- When they sign up and begin to trade, you earn ₹400 immediately.
- Moreover, you continue to take a percentage of the brokerage they pay.
Paytm Money App Details
| Paytm Money | Android |
| Installs | 10M+ |
| Ratings | 3.8/5 |
| Reviews | 250K+ |
| Compatibility | 5.0 and up |
| Download link | Visit |
[convertful id=”236986″]
More Resources:
Successful Entrepreneurs in India 2025
Young Entrepreneurs in India
MBA Chai Wala Net Worth 2025
Vivek Bindra Net Worth 2025
Aman Gupta Net Worth 2025
Emiway Bantai’s Net Worth 2025
Archana Puran Singh Net Worth 2025
4. FreeCharge
Another reliable digital payments app, FreeCharge, also has a good referral program. Users can earn up to ₹5,000 by inviting friends to use the platform for recharges, bill payments, and so on.
With a clean interface and reward-friendly features, FreeCharge makes it extremely easy to earn and help your network save on transactions.
Referral Earnings – Up to ₹5,000
How to Refer and Earn on FreeCharge?
- Log in to the FreeCharge app and click “Refer & Earn”.
- Copy and share your referral code/link.
- Invite friends to register and make a transaction.
- You both get cashback or coupons after the transaction is complete.
- Refer more people to earn more in total.
FreeCharge App details
| FreeCharge | Android |
| Installs | 10M+ |
| Ratings | 4.2/5 |
| Reviews | 180K+ |
| Compatibility | 5.0 and up |
| Download link | Visit |
5. CRED
CRED is a premium app for credit card bill payments that rewards users with cashback, exclusive offers, and CRED coins. Its referral program offers up to ₹1,000 per successful referral, making it appealing for those with an audience of credit card users.
It’s best suited for users who want to save while paying bills and earn through exclusive deals and referrals.
Referral Earnings – Up to ₹1,000
How to Refer and Earn on CRED?
- Open CRED and head to the “Refer & Earn” section.
- Copy your referral link.
- Share it via WhatsApp, Twitter, or email.
- Your friend must register and pay their credit card bill.
- After a successful payment, you receive up to ₹1,000 worth of CRED rewards or cashback.
CRED App details
| CRED | Android |
| Installs | 10M+ |
| Ratings | 4.8/5 |
| Reviews | 500K+ |
| Compatibility | 6.0 and up |
| Download link | Visit |
[convertful id=”236985″]
Other Resources:
AdSense Plugins for WordPress 2025
WordPress AntiSpam Plugins 2025
WordPress Form Builder Plugins 2025
Google Analytics Plugins For WordPress 2025
WordPress Advertising Management Plugins 2025
WordPress Cache Plugins to Improve Speed and Core Web Vitals 2025
WordPress Backup Plugins For Automated Backup 2025
Best WordPress Membership Plugins 2025 (Free and Paid)
WordPress internal linking plugins to improve URL Rating for SEO 2025
Best WordPress Maintenance Mode Plugins 2025
Best WordPress Affiliate Plugins 2025
SEO Plugins for WordPress in 2025
Best WordPress FAQ Plugins 2025 (Free and Paid)
Best Comparison and Pricing Tables WordPress Plugins 2025
Best WordPress Newsletter Plugins 2025
Best Contact Form Plugins for WordPress 2025
6. Groww
Groww is one of the top platforms in India where one can invest directly in mutual funds and trade stocks. It offers a user-friendly app that suits newbies in the investment space. Although the referral bonus is small (less than ₹100), it is a fantastic platform to earn passive rewards by inviting users who are interested in mutual funds or stock trading.
With a clean UI, detailed insights, and a huge user base, Groww is a trusted choice for digital investors.
Referral Earnings – Less than ₹100
How to Refer and Earn on Groww?
- Sign in to your Groww account and click “Refer & Earn”.
- Copy your unique referral link.
- Share it on WhatsApp, SMS, Telegram, or email.
- When your friend signs up and completes KYC, you get the bonus.
Groww App details
| Groww | Android |
| Installs | 50M+ |
| Ratings | 4.7/5 |
| Reviews | 1.2M+ |
| Compatibility | 6.0 and up |
| Download link | Visit |
7. Upstox
Upstox is one of the biggest stock trading apps in India due to its low brokerage charges and a tech-driven experience. Its referral program enables you to earn up to ₹800 per referral, which makes it one of the best in the fintech space.
With Upstox’s reputation and tools for intraday and long-term investors, your referrals will most probably stay and transact, thus increasing your earnings.
Referral Earnings – Up to ₹800
How to Refer and Earn on Upstox?
- Open the Upstox app and head to the “Refer & Earn” tab.
- Get your referral link and share it on social media.
- The referred friend needs to sign up and fill up their KYC.
- When their account is active and they use it for a trade, you earn your referral amount.
- You can track all the referral stats in the app.
Upstox App details
| Upstox | Android |
| Installs | 10M+ |
| Ratings | 4.5/5 |
| Reviews | 480K+ |
| Compatibility | 5.0 and up |
| Download link | Visit |
8. Vision11
Vision11 is a fantasy sports website becoming popular among the gaming community. It pays ₹300 for each referral when your invite signs up and starts playing. Vision11 is a profitable app for sports lovers to monetise their network, as fantasy cricket, football, and kabaddi leagues are available.
Its competitive contests and user-friendly interface make it a perfect choice for fantasy pros as well as for beginners.
Referral Earnings – ₹300
How to Refer and Earn on Vision11?
- Download and access the Vision11 app.
- Click on “Refer & Earn” and copy your referral link.
- Ask your sports-loving friends to register with your link.
- After creating an account and joining their first paid contest, you earn ₹300.
- Use your wallet balance for other contests or withdraw it directly.
Vision11 App details
| Vision11 | Android |
| Installs | 1M+ |
| Ratings | 4.3/5 |
| Reviews | 75K+ |
| Compatibility | 5.0 and up |
| Download link | Visit |
9. CashKaro
CashKaro is India’s best cashback and coupon platform that rewards users for shopping through its links. Your earnings through the refer and earn program are up to ₹300 if your friends sign up and do their first order using CashKaro’s partner sites like Amazon, Myntra and Flipkart.
It’s a perfect tool for savvy shoppers who love sharing deals and saving big.
Referral Earnings – Up to ₹300
How to Refer and Earn on CashKaro?
- Open CashKaro and go to the “Refer & Earn” section.
- Copy your unique referral code or link.
- Share it on WhatsApp, Telegram, or email.
- When your friend makes purchases through CashKaro, you earn a reward.
- You can transfer the cashback to your bank once it’s confirmed.
CashKaro App details
| CashKaro | Android |
| Installs | 5M+ |
| Ratings | 4.2/5 |
| Reviews | 130K+ |
| Compatibility | 5.0 and up |
| Download link | Visit |
10. Meesho
Meesho is the number one reselling app in India and empowers users to earn by sharing products across WhatsApp, Facebook, and Instagram. Its referral program means that you earn a 25% commission on your referrals’ first three orders – a powerful way to make money online without investing.
It is ideal for homemakers, students and part-time earners who need side income.
Referral Earnings – 25% commission on the first 3 orders
How to Refer and Earn on Meesho?
- Open the Meesho app and tap on “Invite & Earn.”
- Share your referral code with friends.
- Once they register and place an order, you get a 25% commission.
- You can withdraw your earnings directly to your bank.
- Keep referring more users to maximize your commissions.
Meesho App details
| Meesho | Android |
| Installs | 100M+ |
| Ratings | 4.5/5 |
| Reviews | 3M+ |
| Compatibility | 5.0 and up |
| Download link | Visit |
Is It Safe to Use Refer and Earn Apps?
Yes, using Refer and Earn apps is generally safe, as long as you stick to trusted and verified platforms. These apps just reward you for inviting others to use their service, and most of them do not request sensitive personal data, except for standard registration information.
However, you should always be careful of lesser-known apps that promise unrealistic rewards or require payment up front. For the sake of being on the safer side, use only tested and reputed apps like PhonePe, Paytm, Meesho, Groww, and CashKaro.
These platforms have millions of users, a good data security policy, and simple referral terms and conditions.
How Do Refer and Earn Apps Work?
Referral marketing is a marketing strategy in which companies persuade their existing users to refer their products or services to others in return for rewards. It depends on word of mouth, trust, and personal recommendation to expand the user base rapidly and naturally. Here’s how it typically works:
- The user registers at the platform and gets a special referral link/code.
- The user then passes this link to friends, family members or followers through social media, WhatsApp, email, etc.
- The referrer gets rewarded when one joins or makes a purchase through that link.
- Rewards may be cashback, credits or discounts or actual money.
It is good for everyone- the app gets a new user, the referrer receives a reward, and the new user even gets a bonus.
Why is referring such a huge thing?
- Builds Instant Trust: Friends’ recommendations are trusted more than ads.
- Cost-Effective: Lower marketing costs as compared to paid ads or influencer campaigns.
- High Conversion Rates: Users who are referred are more likely to sign up or purchase.
- Wider Reach: Existing users promote the product naturally further in their networks.
- Boosts User Engagement: Encourages users to stay active and connected.
- Creates Viral Growth: One referral can create a series of new users.
- Better User Retention: Users referred tend to have higher long-term loyalty.
Mistakes to Avoid While Using Refer and Earn Apps
Using refer and earn apps is a smart way to earn some extra cash, but even small mistakes can prevent you from receiving your rewards, or worse, get your account suspended. To avoid issues, keep an eye out for these common mistakes:
- Using Fake Accounts: Pretending to have fake referrals may get you banned and loss of your earnings. Always refer genuine users only.
- Ignoring Terms & Conditions: You can end up losing rewards by skipping the fine print. Each app has its own rules; read them carefully.
- Sharing Links Without Context: Spamming your referral link without explanation will annoy people. Always explain the benefit clearly.
- Using Untrusted Apps: There are also some apps with high rewards, which are scams. Stick to well-proven platforms like Paytm, PhonePe and Meesho.
- Not Tracking Rewards: Always check your referral dashboard. Missed credits can be corrected if reported in time.
- Delaying Withdrawals: If earnings remain unused for a long time, this can mean expiry or change of policy. Redeem your rewards regularly.
Conclusion
Refer and earn apps are a simple yet powerful way to make extra income by sharing what you already use and trust. When used wisely—by sticking to legit apps, following the rules, and avoiding common mistakes—they can offer steady rewards without much effort. From cashback to commissions, the earning potential is real.
Just make sure to remain authentic in what you do and keep a close tab on your activity. Whether you’re a student, professional, or homemaker, these apps can be an enjoyable way to supplement your income strategy.
FAQs About Refer and Earn Apps 2025
1. Which app has the highest refer and earn?
Apps like Rush and Big Cash offer referral rewards up to ₹50,000, making them some of the highest-paying options.
2. What is the best referral program?
The best programs are from trusted apps like Meesho, Upstox, and EarnKaro, offering high rewards and consistent payouts.
3. What do I earn by referring friends?
You can earn cash, wallet credits, discounts, or commission for referring your friend’s transactions, depending on the app.
4. Is there a limit to how many people I can refer?
Some apps have no cap, while others may limit referrals monthly or per account – check the app terms.
5. Why didn’t I get my referral bonus?
Some of the most common causes include incomplete referrals, invalid sign-ups or breach of referral terms, and you should always check the terms of the referral.
> My Response is on my own site
> Image Sharing Sites
> Profile Submission Sites
> Edu Sites for Backlinks
> Ping Submission Sites
> PDF Submission Sites
> Social Bookmarking Sites
More Resources:
> What is breadcrumb navigation for SEO?
> Mobile SEO Mistakes
> How do we improve page speed- The Complete Guide
> SEO Myths about website optimization
[convertful id=”85629″]
