Top 10 Refer and Earn Apps in India: Simple Ways to Make Money in 2025

Refer and earn apps are mobile apps that pay you for asking friends to join and try their services. You get a special link or code to share through WhatsApp, email, or social media, and earn rewards when friends sign up and do tasks like paying bills or trading stocks.

These apps cover payments, games, and investments, and are simple to use with no cost to start, so anyone can join. You can earn cash, vouchers, or points, which go to your bank or app wallet.

ExtraPe is an Affiliate marketing earning app that works with over 1,500 stores like Flipkart, offering a unique refer and earn program. To start, download the app, sign up, go to ‘Refer & Earn,’ and share your link through WhatsApp or social media.

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When your friend joins and earns money by sharing deals, you get upto 10% of their income forever, sent to your bank account.

Google Pay is a popular app in India for quick UPI payments like bills, recharges, and sending money to friends. To refer, open the app, find the ‘Referrals’ section, and share your special link through WhatsApp or email. When your friend joins and makes their first payment of at least ₹1, you get ₹301, and they get ₹21, sent to your bank in seven days.

There’s no limit, so inviting 10 friends can earn ₹3,010 a month, or 50 friends can make ₹15,050. Google Pay is trusted and used by many, so it’s easy to get friends to join.

PhonePe is a well-known UPI app for paying bills, shopping online, and investing, with a rewarding refer and earn program. To start, open the app, go to ‘Refer & Earn,’ and share your unique link through social media or messaging apps.

When your friend signs up and makes their first UPI payment of ₹1 within five days, you earn ₹100 cashback in your PhonePe wallet. You can invite unlimited friends, so 20 referrals a month can earn ₹2,000, or 100 can bring ₹10,000.

PhonePe is used by many shops and services, making it easy to refer. Its safe payments and quick reward system make it a solid choice for anyone looking to make extra cash with little effort.

Amazon Pay, part of Amazon, lets you pay for shopping, recharges, and bills, with a great refer and earn program. To refer, open the Amazon app, tap ‘Amazon Pay,’ click ‘Invite and Earn,’ and share your link via Instagram or WhatsApp.

When your friend joins and makes their first payment, you get ₹75 cashback, and they get ₹125 added to their Amazon Pay balance. With no limit, 15 referrals a month can earn ₹1,125, or 50 can make ₹3,750.

Amazon Pay is popular for online shopping, so friends can join easily. Its trusted name and easy reward system make it a top pick for earning money while enjoying shopping and payments on one platform.

Paytm is a famous app in India for recharges, booking tickets, paying bills, and shopping, with a nice referral program.

To refer, open the Paytm app, find the ‘Refer & Earn’ banner, and share your unique link through WhatsApp or email. When your friend signs up and makes a UPI payment of at least ₹1 within seven days, you earn up to ₹100 cashback in your Paytm wallet.

You can invite as many friends as you want, so 25 referrals can earn ₹2,500 a month, or 100 can make ₹10,000. Paytm is used everywhere, so it’s easy to get friends to join.

Upstox is a top app for trading stocks and mutual funds, with a high-paying refer and earn program for users. To refer, open the Upstox app, go to the ‘Rewards’ section, and share your special link through social media or messaging apps.

When your friend opens a Demat account and trades within 30 days, you earn ₹500 to ₹1,200, sent to your bank, based on offers.

There’s no limit, so 10 referrals a month can earn ₹5,000 to ₹12,000, or 50 can make ₹25,000 to ₹60,000. Upstox offers free mutual fund investments, which attracts new users.

PaisaWapas is a cashback app for saving money on online shopping, with a simple refer and earn program. To start, sign up on the PaisaWapas app, tap ‘Refer & Earn,’ and share your unique link through WhatsApp or email.

When your friend joins, you get ₹50 in your PaisaWapas account, with no limit on referrals. Once your friend does the first transaction so you will be eligible to withdraw the money into your bank account. Rs. 100 is the minimum requirement to withdraw the money.

Mobile Premier League (MPL) is a fun gaming app with games like Ludo and Poker, offering a big referral program. To refer, open the MPL app, find the ‘Refer & Earn’ tab, and share your referral code through WhatsApp or social media.

When your friend joins and adds money to play, you get ₹75 plus 50% of their deposit as bonus cash, up to ₹10,000 per friend. With no limit, 10 referrals can earn ₹750 to ₹100,000 a month, based on deposits.

Zerodha, India’s biggest stock trading app, offers stocks, mutual funds, and commodities, with a special refer and earn program. To refer, open the Kite app, tap ‘Invite Friends,’ and share your link through WhatsApp or email.

When your friend opens an account and trades, you get 10% of their trading fees forever, plus 300 reward points per referral for app tools. With no limit, if 10 friends pay ₹10,000 in fees yearly, you earn ₹10,000 a year, or 50 friends can make ₹50,000. Zerodha’s low fees and great tools attract traders, making referrals easy.

CRED is a special app for paying credit card bills, offering rewards and a high-value refer and earn program. To refer, open the CRED app, go to ‘Refer & Earn,’ and share your unique link through social media or messaging apps.

When your friend joins and pays a credit card bill of at least ₹1,000, you get ₹200 to ₹1,000 or vouchers, and they get up to ₹250 cashback. With no limit, 15 referrals a month can earn ₹3,000 to ₹15,000, or 50 can make ₹10,000 to ₹50,000.

Refer and earn apps like Google Pay, Upstox, and MPL are simple ways to make extra cash in India without spending money. By sharing links, you can earn ₹100 to ₹10,000 per friend, with monthly earnings from ₹2,000 to ₹50,000, based on how many you invite.

These apps cover payments, games, and trading, and are easy to use with fast rewards. Pick a trusted app, share your link with friends, and watch your earnings grow. Which app will you start with to make money in 2025? Download one now and turn your friends into cash!

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