Best Refer and Earn Apps in India 2024

You have come to the right place if you’re looking for Best Refer and Earn Apps. A few years ago, people would have laughed at you if you suggested they could or should pay for purchases via their mobile phones. Today, people roam around without cash and only use digital means of payment. You can earn rewards or referrals in the form of coupons or cash-backs from digital apps in addition to helping you pay money.

Also Read: 18 Highest Referral Bonus Fantasy Apps

Best Refer and Earn Apps

Best Refer and Earn Apps Referral Bonus Download Link
1. Upstox₹200 Download Upstox
2. Groww  ₹200 Download Groww  
3. AmazonPay₹75Download AmazonPay
4. IIFL₹500 Download IIFL
5. 5Paisa ₹200 Referral credit & 12.5% brokerageDownload 5Paisa
6. Zerodha300 points+10%brokerageDownload Zerodha
7. Google Pay₹200Download Google Pay
8. Mobikwik₹75Download Mobikwik
9. PhonePe₹125 Download PhonePe
10. Gamezy15% of added money by your friendDownload Gamezy

Best Refer and Earn Apps

1. Upstox

This is one of India’s leading stock broker apps where people can buy and sell stocks and mutual funds. Upstox has one of the best referral programs in India. With more than half a crore downloads, the app is backed by Ratan Tata’s Tata Company. When you download the app and sign in, you get a code that, once shared with a friend, earns you in-app cash rewards.

Also Read: 8 Best Money-Earning Games

Bonus Points and Commissions

When a referral is activated, the user receives 200 rupees, and after the referral makes their first trade, another 300 rupees are earned.

Withdrawal System

You can withdraw your money by clicking on ‘Withdrawal request’ and entering the amount you wish to withdraw. The amount will then be transferred to your paired bank account.


It is important to keep the following in mind while downloading the app. The app has various charges to upkeep the account, don’t share personal data or passwords, and download from a designated website.

Also Read: Best Refer and Earn Rs 1000 Apps in India

2. Groww

A platform called Groww allows users to invest in mutual funds. However, the app does not only allow users to invest in mutual funds; they can also trade in stocks. Various users of the app have rated the app 4.5 stars after downloading it more than 10 million times. Mobile-friendly, the app gives users a referral link that they can use to benefit from multiple benefits.

Bonus Points and Commissions

Grow users earn Rs 200 bonus points when they sign up, and their referrals earn them 200. So overall it is one the Best Refer and Earn Apps.

Withdrawal System

You can withdraw your money by going to your Groww balance, clicking on withdrawals, and entering the amount you want to withdraw.


When downloading the app, keep the following things in mind.

  •  No portfolio sharing.
  • Steering clear of risks.
  • hide personal information.

3. Amazon Pay

Amazon’s paying wallet is your e-wallet for purchasing, selling, or returning items. Your Amazon money is stored in an intangible wallet. It’s one of the best referral apps that pay in 2024 with more than 100 million downloads and a 4.1-star rating. Amazon Pay will begin allowing you to share your UPI referral code with your friends starting in 2024.

Bonus Points and Commissions

You get 75 rupees as cashback if your friends use your referral code and complete their first UPI transaction.

Withdrawal System

Withdrawing money is as simple as selecting the Withdraw option, selecting the source where the money should be transferred, and then entering the amount.


The following things should be kept in mind while downloading the app:

  • Do not share the bank details and app details with anyone,
  • do not share OTPs, and remember your login details or you will lose your e-wallet.

4. IIFL Securities

IIFL is another stock broker app where people can trade shares, commodities, and other market items. All you have to do is share your referral link with your friends and you can start earning. The app has a 4.3-star rating and has more than 5 million downloads.

Bonus Points and Commissions

As soon as your friend uses your link and downloads the app, they must make their first trade on the app, and you will receive a 500 rupee voucher.

Withdrawal System

A person can withdraw their money by going to the withdrawal section, selecting the location where they want to transfer the funds, entering the amount needed, and that’s it.


While downloading the app, keep these things in mind:

  • Do not share passwords or portfolios.
  • do not do insider trading.
  • keep the account details secure.

5. 5Paisa

This stock broking app allows users to refer and earn money using stocks, derivatives, currencies, etc. 5Paisa is for stocks, derivatives, currencies, etc. There have been more than 10 million downloads of the app, which works on mobile devices and has a 4.2-star rating. By sharing a referral link or code, people can earn rewards.

Bonus Points and Commissions

When your friends download the app, you get rupees 200 and a 12.5 per cent commission. The first referral also gets vouchers worth 5000 rupees.

Withdrawal System

We can withdraw our money by clicking on the withdrawal option, entering the amount, selecting the source, and then getting it in our bank accounts or wherever else we choose.


When downloading the app, remember your password, don’t share OTPs, and don’t share your account details.

Also Read: 10 Best Daily 100 Rupees Earning Apps

6. Zerodha

Through its range of applications, Zerodha allows people to trade various items on the stock market. Zerodha provides market knowledge. Zerodha’s mobile apps have been downloaded over a few lakh times and have a higher rating than average. To earn by Zerodha, you can either share a link with a friend or put their details in the app.

Bonus Points and Commissions

Zerodha gives 300 points for each referral and 10% brokerage on what your friends spend.

Withdrawal System

Users can withdraw their money by choosing the source and amount of withdrawal and that’s how the money is withdrawn.


You should always keep your password and portfolio protected. Avoid any tips you receive and stay away from insider tips when downloading the app.

7. Google Pay

You can pay with Google Pay with intangible money. It’s an online/digital method of payment that makes transactions hassle-free and cashless. It has been downloaded 500 million times and has a 4.3-star rating. You can share the referral code with friends and family to receive certain benefits. Google Pay is one of the best refer and earn apps.

Bonus Points and Commissions

For successfully referring your friend, you will earn 210 rupees. Once they make their first transaction, your friend will earn  25 rupees. Additionally, when you use the app, you keep receiving rewards after a certain number of payments.

Withdrawal System

You can withdraw your money by ATM or transfer another bank account


While downloading the app, keep in mind the following:

  •  Never share your PIN.
  • keep the bank details to yourself.
  • Keep OTPs to yourself.

8. Mobikwik

The Mobikwik payment app was built for digital payments back in 2009. It allows cashless transactions, making it another top player in the Indian digital payments market. This mobile-friendly app has a 4.2-star rating and has been downloaded over 50 million times. You and your friend can both earn rewards by using a referral code.

Bonus Points and Commissions

When your friend uses your referral code, creates an account, and adds 50 rupees to their wallet, both of you receive 100 rupees from the app. The benefit of referring and earning can reach 5,000 rupees per user.

Withdrawal System

A person can withdraw money from the Mobikwik app by selecting the Wallet to Bank option, and then entering the necessary information.


Keeping the bank details safe, not sharing the PIN, and not sharing OTPs are some of the things that the user should keep in mind when downloading the app.

Also Read: Best Quiz Earning Apps in India

9. PhonePe

Phonepe is one of the oldest UPI yet still its one the best refer and earn apps available. It supports referral codes that you can share with friends for rewards. Users can pay for various services via Phone Pe using their credit cards, debit cards, and UPI IDs. With over 100 million downloads, the app has earned a 4.4 rating from previous and current users.

Bonus Points and Commissions

Users can earn 150 rupees per referral for up to five referrals, making it 750 rupees in total.

Withdrawal System

You can use your earned money for buying anything or pay bills. But cannot transfer your earned money into a bank account.


The following are things to keep in mind while downloading the app. You should keep your bank details and passwords to yourself when downloading the app.

10. Gamezy

Among this long list of applications, Gamezy has become the umpteenth Cricket fantasy app. It is one of the best apps for refer-and-earn when it comes to fantasy cricket. You can also play rummy, ludo, and other games on this platform in addition to that. With over 1 million users, the app has a 4.3-star rating, reflecting the app’s popularity. This app works the same as all the others on the list when it comes to referring and earning.

Bonus Points and Commissions

You will get 15% of the entry fee (up to Rs. 1000) for each cash game played by your friend.  A referral code can earn the user more than 12,000 rupees in bonus points and commission.

Withdrawal System

A user can withdraw their money by going to the Withdraw cash page, entering their bank details, and clicking on withdraw.


When downloading the app, the user needs to ensure that their bank information is right

Also Read: Best Without Investment Earn Money Apps

FAQs: Best Refer and Earn Apps

1. How do I refer and earn?

People who have used PhonePe GooglePay, Paytm, or any other app like that will know how it works. Simply share your ID or a personal code provided by the platform with your friends, and they will be able to use it. Upon becoming a part of the entity, you receive a coupon or something similar.

2. Which app has the highest number of references and earnings?

Hundreds of apps run the same race, making it difficult to pinpoint one top app. Each app has its own rewards and tie-ups. There are a lot of apps out there that offer cash back or coupons as a reward, so pretty much all of them rank similarly, but you should go with the one that is supported by your bank.

3. What are the ways in which I can earn money through Refer and Earn?

In Affiliate marketing, you bring a new customer and get rewarded for it. So all you have to do is refer the app to a friend.
Whenever they use your reference, you or both of you get the app’s wallet cash, which can be used for purchases.

4. which are the best refer-and-earn apps?

Here is a list of the best refer and earn apps:
Phone Pe
Google Pay
Amazon Pay

Writer Opinion on Best Refer and Earn Apps

Having learned Affiliate marketing and knowing the best refer and earn apps, you can go on a downloading spree and referring spree so that your friends can benefit from Affiliate marketing as well.

To learn more about the services offered, you should also read the terms and conditions of each independent application. To gain more knowledge about this topic, conduct thorough online research. As there are various categories for refer and earn schemes such as food, shopping, demat, technology, fashion, health, grocery and many more.

Thanks for reading our article on Best Refer and Earn Apps. If you have any comments or suggestions, please leave them below.

Also Read: Best Without KYC Earning Apps In India 

Rajen Acharjee

Hi, I am Rajen Acharjee. I just complete my studies and started this blog. I love to learn about latest fantasy apps, earning apps that provides cash bonus, referral amount etc. In this blog, I will share everything whatever I have learned to help you.

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