In today's digital age, earning money online is becoming increasingly accessible. One of the most effective ways to generate a secondary income is through refer and earn apps. These apps allow users to earn rewards, cashbacks, or commissions simply by referring them to others. Whether you're looking for quick earnings or a more sustainable income, these apps offer numerous opportunities with little to no investment.
But what are refer and earn apps?
Refer and Earn apps are platforms that reward you for recommending them to others. The amount you can earn varies from app to app, but the concept remains the same: the more referrals you make, the more you earn.
In this guide, we’ve curated the top 10 refer and earn apps forin India, highlighting their unique features and earning potential. These apps are trusted, widely used, and offer seamless earning opportunities for anyone looking to boost their income.
10 Best Refer and Earn Apps in India
| App Name | Referral Income |
|---|---|
| GroMo | ₹2,100 |
| Paytm Money | ₹300 + ₹200* |
| Upstox | Up to ₹1,200 |
| PhonePe | Up to ₹1,000 |
| Google Pay | ₹300* |
| Meesho | 25% Commission |
| Zerodha | 10% of Brokerage Fees |
| Groww | Up to ₹10,000 |
| ySense | ₹200 |
| CRED | Up to ₹1,000 |
1. GroMo
GroMo is a leading financial platform that helps users earn money by promoting financial products such as loans, savings accounts, and investment plans. GroMo's refer and earn program lets you make ₹2,100 when your referral completes their 5th sale on the platform.
Steps to Earn:
- Open the GroMo app and navigate to the 'Refer & Earn' section.
- Share your referral link with friends and family.
- Track their sales progress within the app.
Why GroMo?
With over 40 lakh downloads and a 4.4-star rating, GroMo is perfect for anyone looking to earn without any upfront investment. It’s especially suitable for those who can promote financial products to their network.
2. Paytm Money
Paytm Money is a well-known app in India for investments, offering a simple way to manage stocks, mutual funds, and NPS accounts. Their refer and earn program gives you ₹300 for each referral who opens a Demat account, plus an extra ₹200 if they invest ₹1,000 within 30 days.
Steps to Earn:
- Access the 'Refer & Earn' section on the app.
- Share your unique link via WhatsApp, Facebook, or SMS.
- Earn rewards once your friend opens an account and starts investing.
Why Paytm Money?
As a trusted platform with over 1 crore downloads, Paytm Money provides an easy way to earn while helping your friends get started in investments.
3. Upstox
Upstox is a popular online brokerage app in India, offering trading services in stocks, commodities, and currency. Through their refer and earn program, you can earn up to ₹1,200 for each friend who opens an account and begins trading.
Steps to Earn:
- Log in to the Upstox app and find your referral link.
- Share the link with your network.
- Earn rewards once they open an account and start trading.
Why Upstox?
With its robust trading platform and generous referral rewards, Upstox is a great option for those with friends interested in the stock market.
4. PhonePe
PhonePe is a leading UPI payment app in India. Their refer and earn program offers rewards of up to ₹1,000 for each friend who joins and makes their first UPI transaction. The rewards are presented via scratch cards, making it an exciting way to earn.
Steps to Earn:
- Open PhonePe and tap on the 'Refer & Earn' section.
- Share your referral link.
- Earn rewards when your friend completes their first transaction within 5 days.
Why PhonePe?
As one of India’s largest UPI platforms with over 50 crore downloads, referring friends to PhonePe is an easy way to earn while they benefit from its convenient services.
5. Google Pay
Google Pay, a trusted payment app by Google, lets users send money, make payments, and more. For each successful referral, where the user makes their first UPI transaction within 7 days, you can earn ₹300.
Steps to Earn:
- Go to 'Invite Friends to Google Pay' within the app.
- Share your referral link.
- Earn rewards when your friend completes their first payment.
Why Google Pay?
With its large user base and trusted brand, Google Pay is a solid option for users looking for consistent referral income.
6. Meesho
Meesho is a popular social commerce platform, allowing users to resell products via social media. For each friend you refer, who makes their first purchase, you earn a 25% commission on the order value.
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Steps to Earn:
- Share product links through Meesho's 'Share & Earn' section.
- Earn commission on purchases made via your link.
Why Meesho?
With over 10 crore downloads, Meesho offers significant earnings, especially for those who can leverage social networks for sales.
7. Zerodha
Zerodha is one of the largest online brokerage firms in India. Their referral program offers 10% of brokerage fees generated by referred clients for life. You also earn 300 reward points per referral, which can be redeemed on the platform.
Steps to Earn:
- Access the referral section through Zerodha's 'Console.'
- Share your referral link with potential traders.
- Earn ongoing brokerage commissions.
Why Zerodha?
It’s a great option for long-term passive income, especially for those who want to monetize their network of traders.
8. Groww
Groww is an investment app that makes it easy for users to invest in mutual funds and stocks. You can earn up to ₹10,000 per referral, depending on their investment actions.
Steps to Earn:
- Share your referral link through the app.
- Earn ₹25 for each friend who completes their KYC.
- Earn additional rewards based on their investments.
Why Groww?
With no cap on earnings and a wide user base, Groww is ideal for those with a financially-inclined network.
9. ySense
ySense is a platform where users can earn through surveys, tasks, and referrals. For every friend who signs up and earns through the platform, you receive ₹10 to ₹25, plus an additional ₹170 when they earn their first ₹400.
Steps to Earn:
- Share your referral link from ySense.
- Earn money once your referrals complete tasks and earn on the platform.
Why ySense?
With low entry barriers and multiple earning opportunities, ySense is perfect for anyone looking to make extra money online.
10. CRED
CRED rewards users for paying credit card bills through its platform. By referring friends, you can earn up to ₹1,000 depending on the bill amount they pay within the first month.
Steps to Earn:
- Open the CRED app and access the 'Refer & Earn' section.
- Share your link and start earning once your friend pays their first bill.
Why CRED?
With its premium user experience and excellent rewards, CRED is a top choice for users with credit card-using networks.
Why Refer and Earn Apps Are Ideal for Passive Income?
- Low Effort Required: Once you've made the referral, most apps require no further effort to earn from your friend's actions.
- No Investment Needed: You can start earning without spending money, making these apps accessible to all.
- Social Media Reach: With widespread social media usage, it's easier than ever to share referral links and maximize your earnings.
- Multiple Income Streams: You can participate in several referral programs simultaneously, increasing your potential earnings.
Final Thoughts
Refer and earn apps are a fantastic way to boost your income. Whether you're promoting financial services or social commerce platforms, these apps provide diverse opportunities to earn effortlessly. Explore the top picks mentioned above, and start sharing to see your earnings grow!