Top 20 Refer and Earn Apps to Make Money Easily

abhay April 02, 2025

  Top 10 Refer and Earn Apps to Make Money Easily



In today’s digital world, earning extra income through referral programs has become a popular and effortless way to make money. Many fintech and payment apps offer lucrative rewards for referring friends and family to their platforms. If you’re looking for the best refer-and-earn apps, we have compiled a list of the top 10 apps that provide great benefits when you invite others. Let’s explore them one by one.

1. Google Pay

Google Pay is one of the most widely used digital payment platforms that offers an excellent refer-and-earn program. When you invite a friend to use Google Pay and they make their first transaction, both you and your friend receive a cashback reward. The referral bonus varies from time to time, depending on ongoing promotions.

How to Refer and Earn:

  • Open Google Pay and go to the ‘Rewards’ section.

  • Tap on ‘Invite friends’ and share your referral link.

  • Once your friend installs Google Pay and makes their first payment, both of you get a reward.

2. Paytm

Paytm is a well-known digital payments and financial services platform in India. It provides a referral program where users can earn cashback and discounts by inviting new users. Apart from digital payments, Paytm allows users to recharge, book tickets, and shop online.

How to Refer and Earn:

  • Open the Paytm app and go to the referral section.

  • Share your referral code with friends.

  • When they sign up and complete a transaction, you receive cashback or Paytm Points.

3. PhonePe

PhonePe is another major player in the UPI-based digital payment sector in India. It rewards users who invite their friends to join the platform and make their first transaction.

How to Refer and Earn:

  • Open the PhonePe app and tap on ‘Refer & Earn.’

  • Share your referral code or link.

  • When your friend registers and completes a transaction, you get a cashback reward.

4. Airtel Thanks

Airtel Thanks is a multipurpose app by Bharti Airtel that offers mobile recharges, bill payments, and financial services. It has a referral program that allows users to earn rewards for bringing in new customers.

How to Refer and Earn:

  • Open the Airtel Thanks app and find the referral section.

  • Send the referral link to your friends.

  • When your friend signs up and uses the app for the first time, you receive rewards or cashback.

5. Tide

Tide is a digital banking service designed for businesses and freelancers. It offers an attractive referral program where users can earn bonuses for bringing new business customers to the platform.

How to Refer and Earn:

  • Log into the Tide app and navigate to the referral program.

  • Share your unique referral link.

  • When your referral signs up and completes their first transaction, you receive a cash reward.

6. Fibe (formerly EarlySalary)

Fibe is a digital lending platform that provides instant loans to users. The app offers a refer-and-earn program where users can earn rewards for inviting friends to apply for loans.

How to Refer and Earn:

  • Open the Fibe app and locate the ‘Refer & Earn’ section.

  • Share your referral link with friends.

  • Once your friend registers and takes a loan, you receive a referral bonus.

7. Money View

Money View is a popular personal finance and loan app in India. It offers users the opportunity to earn rewards through its referral program.

How to Refer and Earn:

  • Open the Money View app and go to the referral section.

  • Share your unique referral link.

  • When your friend applies for a loan and gets it approved, you receive a cash bonus.

8. True Balance

True Balance is a fintech app that offers instant personal loans, mobile recharges, and bill payments. It provides a referral program where users can earn cashback and discounts.

How to Refer and Earn:

  • Open the True Balance app and navigate to the ‘Invite & Earn’ section.

  • Share your referral link.

  • When your friend signs up and makes a transaction, you get cashback or wallet balance.

9. FatakPay

FatakPay is a digital credit and lending platform that offers small-ticket loans for daily expenses. The app allows users to earn rewards through its refer-and-earn program.

How to Refer and Earn:

  • Open the FatakPay app and find the referral section.

  • Share your referral code.

  • When your friend signs up and takes a loan, you receive a cash reward.

10. KreditBee

KreditBee is a leading digital lending platform that provides personal loans instantly. It has a refer-and-earn program where users can earn money by inviting others to apply for loans.

How to Refer and Earn:

  • Open the KreditBee app and locate the referral section.

  • Share your referral code with friends.

  • When they apply for a loan and get it approved, you receive a commission.

1. GroMo

Category: Financial Services & Insurance
How to Earn:

  • GroMo is an affiliate marketing platform where users can refer others to buy financial products such as insurance, loans, and investment plans.

  • Earn ₹2,100 when your referral completes their fifth sale through the platform.

  • Payments are credited directly to your bank account.

Why It’s Good:

  • High referral commission.

  • Multiple financial products to promote.

2. Paytm Money

Category: Stock Market & Investments
How to Earn:

  • Refer friends to open a Demat account with Paytm Money.

  • Earn ₹300 when your referral successfully opens an account.

  • Get an extra ₹200 if they invest at least ₹1,000 within the first 30 days.

Why It’s Good:

  • Easy referral process.

  • Ideal for those interested in stock trading.

3. Upstox

Category: Stock Market & Trading
How to Earn:

  • Refer your friends to open an account with Upstox.

  • Earn up to ₹1,200 for each successful referral.

  • Additional bonuses if they make their first trade.

Why It’s Good:

  • High commission rate.

  • Trusted and SEBI-registered trading platform.

4. PhonePe

Category: Digital Payments
How to Earn:

  • Share your referral link with friends.

  • When they install PhonePe and make their first UPI transaction within 5 days, you earn ₹100.

  • No limit on the number of referrals.

Why It’s Good:

  • Simple and easy process.

  • Instant rewards credited to your wallet.

5. Google Pay

Category: Digital Payments
How to Earn:

  • Invite friends using your Google Pay referral link.

  • When they sign up and complete their first UPI transaction, you earn ₹300.

  • Google Pay also offers scratch cards with random cashback rewards.

Why It’s Good:

  • Google Pay is widely used, making it easier to refer friends.

  • Instant payouts to your bank account.

6. Meesho

Category: Reselling & E-commerce
How to Earn:

  • Invite friends to join Meesho, an online reselling platform.

  • Earn a 25% commission on their first order.

  • Additional rewards when they become active sellers.

Why It’s Good:

  • Perfect for those looking to start an online business.

  • No investment needed.

7. Zerodha

Category: Stock Market & Trading
How to Earn:

  • Refer friends to open an account with Zerodha.

  • Get 10% of the brokerage fees they pay.

  • Receive 300 reward points that can be redeemed for brokerage discounts.

Why It’s Good:

  • Long-term earning potential as you continue to earn from your referrals' trades.

  • One of India's top trading platforms.

8. Groww

Category: Stock Market & Investments
How to Earn:

  • Refer friends to open a Groww account.

  • Earn up to ₹10,000 as they invest in stocks and mutual funds.

  • You also get extra benefits if they trade frequently.

Why It’s Good:

  • User-friendly app.

  • Great for passive income.

9. ySense

Category: Surveys & Online Earning
How to Earn:

  • Refer people to join ySense.

  • Earn 30% commission on whatever your referrals earn by completing surveys and micro-tasks.

Why It’s Good:

  • Multiple earning options (surveys, tasks, and offers).

  • Passive income potential from active referrals.

10. CRED

Category: Credit Card & Bill Payments
How to Earn:

  • Refer friends to join CRED and earn ₹500 when they make their first credit card bill payment.

  • Get additional cashback when your referrals use CRED’s premium services.

Why It’s Good:

  • CRED is highly rated and secure.

  • Useful for people who frequently use credit cards.

Final Thoughts


Referral programs are a great way to earn passive income while helping friends discover useful financial apps. These 20 refer-and-earn apps not only reward users but also promote financial inclusion by introducing digital payments, credit facilities, and banking services to a larger audience.

Before referring, always check the latest terms and conditions of the referral program, as rewards may change over time. Start sharing your referral links today and enjoy the benefits of these amazing financial apps!

abhay

Posted by abhay

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