What Are Top Refer and Earn Apps in India?

Top Refer and Earn Apps in India Share and Earn apps are mobile applications that allow users to earn rewards by inviting others to join and use the platform. These apps work on a simple referral model, where an existing user shares a unique link or code with friends, family, or contacts. When the referred person downloads the app, signs up, or completes specific actions such as making a transaction or purchase, both parties receive benefits. Rewards may include cash, discounts, coupons, wallet credits, or points that can be redeemed later.

Popular across e-commerce, fintech, gaming, and utility platforms, Invite and Earn apps encourage rapid user growth while giving existing users an incentive to promote services, making them a win-win for companies and customers alike.

Ways To Benefit From Refer and Earn Programs

Top Refer and Earn Apps programs help businesses grow without high costs. Below are ways sellers can benefit from these programs.

1. Increase Conversions: Referred customers are more likely to buy compared to those from paid ads. Data shows that referral leads convert at twice the rate of traditional marketing methods. This happens because recommendations come from trusted sources, making potential buyers feel more confident in their decisions.
2. Lower Marketing Costs: Advertising is expensive, but referrals eliminate these costs. Instead of paying for paid promotions, businesses can let satisfied customers talk about them. About 76% of people are willing to refer a brand after a good experience, thereby reducing the need for costly ad campaigns.
3. Gain Better Leads: Referrals often bring in people who match the ideal customer profile. These leads are more interested in the brand and more likely to make repeat purchases. Research shows that referred customers buy more than those from other channels and bring in 30%–57% more new buyers.

15 Top Refer and Earn Apps in India For 2026

Types Of Top Refer and Earn Apps in India

Top Refer and Earn Apps in India apps reward you for inviting friends to join. You can earn cashback, bonuses, and more across different types of apps. Here are some popular categories of Refer & Earn apps to explore:

1. Shop & Earn: E-Commerce Apps

E-commerce apps are platforms where you can shop for a wide range of products online. These apps often have referral programs that reward you for inviting friends to join and make purchases.

For example: Amazon and Flipkart offer referral bonuses in the form of discounts or cashback when your friends make their first purchase through your referral link.

2. Pay & Prosper: Payment Apps

Payment apps enable digital transactions, allowing users to send and receive money, pay bills, and more. These apps often have referral programs that reward users for bringing in new members.

For example: Paytm and Google Pay offer cashback or points when you refer friends who then start using the app for their transactions.

3. Invest & Invite: Investment Apps

Investment apps help users manage their investments, whether in stocks, mutual funds, or other financial instruments. These apps often provide referral bonuses to users who invite friends to join the platform.

For example: Groww and Zerodha offer rewards when your friends sign up and start investing.

4. Game & Gain: Gaming Apps

Gaming apps are mobile platforms where users can download and play various games. Many of these apps have referral programs that reward users for inviting friends to join and play.

For example: PUBG Mobile and Candy Crush Saga offer in-game bonuses or extra lives when you refer friends who then download and play the game.

5. Order & Offer: Food Delivery & Ride-Hailing Apps

These apps provide services for food delivery and ride-hailing, making it easy to order meals or book rides. They often have referral programs that offer incentives for bringing in new users.

For example: Uber and Swiggy provide discounts or free rides/meals when you refer friends who then use the app to place orders or book rides.

Top Refer and Earn Apps in India

1. CRED – Top Refer and Earn Apps in India

CRED is a fintech platform that rewards users for paying their credit card bills on time with CRED coins. With over 13 million active users each month, CRED has established itself as a major player in the digital payments industry.

Refer & Earn with CRED: CRED’s Refer & Earn program allows users to earn ₹200 or gift vouchers for each successful referral. Additionally, new users can benefit from up to ₹250 cashback on their first payment. There is no limit to the number of referrals one can make.

How to Refer with CRED : Top Refer and Earn Apps in India

1. Open the CRED App: Go to the profile section.
2. Tap on “Refer & Earn”: Share your referral link.
3. Earn Rewards: Once your friend joins and completes their first payment, you earn the referral reward.

2. PhonePe – Top Refer and Earn Apps in India

PhonePe is one of India’s leading digital payment platforms, offering services such as UPI, mobile recharges, bill payments, and more. Known for its easy-to-use interface, PhonePe is trusted by millions of users nationwide.

Refer & Earn with PhonePe: Through the Refer & Earn program, users can earn cashback for each successful referral. When someone registers on PhonePe using a referral link and completes a qualifying transaction, the referrer receives cashback, typically ₹100 per referral.

How to Refer with PhonePe : Top Refer and Earn Apps in India

1. Open the PhonePe App: Go to the ‘My Money’ section.
2. Tap on “Refer & Earn”: Share your referral link with friends.
3. Earn Rewards: Receive cashback after your referral completes their first transaction.

3. Google Pay – Top Refer and Earn Apps in India

Google Pay is a widely used digital wallet platform offering secure and fast UPI payments, mobile recharges, and bill payments. It also partners with various bank accounts for easy transfers.

Refer & Earn with Google Pay: GPay users can earn rewards for every referral. When a friend signs up on Google Pay using a referral code and makes their first UPI transaction, both the referrer and the friend receive rewards, often up to ₹201 each.

How to Refer with Google Pay : Top Refer and Earn Apps in India

1. Open the Google Pay App: Head to the ‘Rewards’ or ‘Promotions’ section.
2. Tap on “Invite Friends”: Share your unique referral code.
3. Earn Rewards: After the first transaction by your friend, both parties get a reward.

4. My11Circle – Top Refer and Earn Apps in India

My11Circle is a fantasy sports platform that allows users to create teams and earn rewards based on real-game performance, covering sports like cricket and football. There are many ways to save with My11Circle, referrals being amongst the easiest ways.

Refer & Earn with My11Circle: Users earn ₹551 as a referral bonus for every successful referral. The referred friend must download My11Circle using the referral link and make their first deposit.

How to Refer with My11Circle : Top Refer and Earn Apps in India

1. Open the My11Circle App: Head to the ‘Refer & Earn’ section.
2. Share Referral Link: Copy and send your referral link to your friends.
3. Earn Rewards: You’ll receive ₹551 in your account once your friend makes their first deposit.

5. Upstox – Top Refer and Earn Apps in India

Upstox is a stock trading and investment platform with an intuitive design suitable for both beginners and seasoned investors. It provides access to stocks, mutual funds, IPOs, and more.

Refer & Earn with Upstox: Earn ₹500 per referral after your friend signs up using your link and completes KYC and their first trade or investment. Upstox also offers additional deals and discounts for referrals during its major promotions

How to Refer with Upstox : Top Refer and Earn Apps in India

1. Open the Upstox App: Go to the ‘Refer & Earn’ section in the app.
2. Share Referral Link: Copy, paste, and send your referral link.
3. Earn Rewards: Receive ₹500 once your friend completes the KYC and a qualifying trade.

6. RozDhan – Top Refer and Earn Apps in India

RozDhan is an app where users can earn money by completing various activities such as reading the news, playing games, and watching videos.

Refer & Earn with RozDhan: Users can earn ₹12 or more for each successful referral. The referred user must sign up and complete the basic tasks listed in the app for both parties to receive rewards.

How to Refer with RozDhan : Top Refer and Earn Apps in India

1. Open the RozDhan App: Log In and head to the ‘Income’ tab.
2. Tap on ‘Invite Friends’: Get your unique referral code and share it with your friends.
3. Earn Rewards: Both you and your friend get a reward within 48 hours when they sign up and complete the tasks.

7. Groww – Top Refer and Earn Apps in India

Groww is an investment platform that enables users to invest in mutual funds, stocks, and other financial products through an easy-to-use interface.

Refer & Earn with Groww: Users earn ₹100 for each referral who completes the KYC process and starts investing. This reward is credited in the form of Groww credits, redeemable within the platform.

How to Refer with Groww : Top Refer and Earn Apps in India

1. Open the Groww App: Go to the ‘Refer & Earn’ section.
2. Share Referral Link: Copy and share your referral link.
3. Earn Rewards: Get rewarded after your referral completes KYC and begins investing and saving with Groww.

8. CashKaro – Top Refer and Earn Apps in India

CashKaro is a cashback and coupon site that offers users cashback on purchases made through affiliated e-commerce platforms like Amazon, Flipkart, and Myntra.

Refer & Earn with CashKaro: Users can earn up to 10% of the cashback earned by their referrals for a lifetime. The referred friend must create an account and shop using CashKaro links.

How to Refer with CashKaro : Top Refer and Earn Apps in India

1. Open the CashKaro App: Head to the menu tab and select the ‘Refer & Earn option.
2. Share Referral Link:  Copy your unique link and share it with your friend.
3. Earn Rewards: When your friends sign up using your referral link and make their first purchase through CashKaro, you will earn 10% of their cashback amount every time they shop.

9. Paytm – Top Refer and Earn Apps in India

Paytm is one of India’s leading payment platforms, known for its wide range of services, including mobile recharges, bill payments, and ticket bookings.

Refer & Earn with Paytm: Users can earn rewards for referrals. When a friend registers with Paytm and completes a qualifying transaction, both users receive Paytm deals in the form of cashback, typically up to ₹100.

How to Refer with Paytm : Top Refer and Earn Apps in India

1. Open the Paytm App: Log in and tap on the “Refer & Earn” banner located at the bottom of the homepage.
2. Share Referral Link: Click on “Refer via WhatsApp” or choose “More Options” to share your unique referral link.
3. Earn Rewards: When your friends complete their first UPI transaction (minimum ₹1) within 7 days, you will receive Paytm Cashback.

10. Slice – Top Refer and Earn Apps in India

Slice is a digital credit card app designed for young professionals, offering easy credit solutions with rewards and cashback on every spend.

Refer & Earn with Slice: Slice’s Refer & Earn program allows users to earn rewards for inviting friends to join the program. When a friend joins Slice using the referral link and completes their onboarding process, both parties receive rewards either in the form of “Slice Cash” or cash back.

How to Refer with Slice : Top Refer and Earn Apps in India

1. Open the Slice App: Head to the ‘Rewards’ tab and click on the ‘Refer & earn’ option.
2. Share Referral Link: Copy, paste, and share your referral link.
3. Earn Rewards: Receive “Slice Cash” or cashback once your friend completes their first spend.

11. Zerodha – Top Refer and Earn Apps in India

Zerodha is a leading brokerage firm in India, known for its innovative trading platforms and low brokerage fees. It has revolutionized the way people trade in the stock market by offering a seamless and cost-effective trading experience.

Refer & Earn with Zerodha: Zerodha’s Refer & Earn program allows users to earn 300 reward points for each successful referral. These points can be used to access various tools and platforms within the Zerodha ecosystem. There is no limit to the number of referrals you can make.

How to Refer with Zerodha : Top Refer and Earn Apps in India

1. Open the Zerodha App: Go to the “Console” section.
2. Tap on “Rewards & Referrals”: Share your unique referral link.
3. Earn Rewards: Once your friend opens an account and starts trading, you earn the referral reward.

12. Mobikwik – Top Refer and Earn Apps in India

Mobikwik is a popular digital wallet and payment platform in India, offering a wide range of services including mobile recharges, bill payments, and online shopping. The easiest way to get Mobikwik coupon codes or offers is through their referrals.

Refer & Earn with Mobikwik: Mobikwik’s Refer & Earn program allows users to earn ₹100 SuperCash for each successful referral. When a friend signs up using your referral code and adds ₹50 to their wallet, both you and your friend receive ₹100 SuperCash.

How to Refer with Mobikwik : Top Refer and Earn Apps in India

1. Open the Mobikwik App: Go to the “Refer & Earn” section.
2. Click on “Invite Friends”: Get your unique referral code and send it to your friends.
3. Earn Rewards: Once your friend signs up and adds ₹50 to their wallet, you both earn ₹100 SuperCash.

13. 5Paisa – Top Refer and Earn Apps in India

5Paisa is a discount brokerage firm that offers a range of financial services including stock trading, mutual funds, and insurance.

Refer & Earn with 5Paisa: 5Paisa’s Refer & Earn program allows users to earn ₹250 for each successful referral. When a friend opens a trading and Demat account using your referral link, you receive the reward.

How to Refer with 5Paisa : Top Refer and Earn Apps in India

1. Open the 5Paisa App: Log in and go to the “Refer & Earn” section from the main menu.
2. Click on “Invite Friends”: Get your referral link & copy and share it.
3. Earn Rewards: Once your friend opens a trading & Demat account and starts trading, you earn ₹250.

14. Amazon Pay – Top Refer and Earn Apps in India

Amazon Pay is a digital wallet service offered by Amazon that allows users to make payments for various services and products seamlessly.

Refer & Earn with Amazon Pay: Amazon Pay’s Refer & Earn program allows users to earn cashback for each successful referral. When a friend signs up using your referral link and completes their first UPI transaction, you receive the cashback reward.

How to Refer with Amazon Pay : Top Refer and Earn Apps in India

1. Open the Amazon App: Go to the Amazon Pay section.
2. Tap on “Invite & Earn”: Share your referral link.
3. Earn Rewards: Once your friend completes their first UPI transaction, you earn the cashback.

15. Meesho – Top Refer and Earn Apps in India

Meesho is a social commerce platform that enables small businesses and individuals to start their online stores with zero investment. Founded in 2015 and headquartered in Bengaluru, Meesho connects sellers with customers through social media channels like WhatsApp, Facebook, and Instagram.

Refer & Earn with Meesho: Meesho’s Refer & Earn program allows users to earn rewards by referring friends to the platform. When a friend signs up using your referral link and places their first order, you receive a reward.

How to Refer with Meesho : Top Refer and Earn Apps in India

1. Open the Meesho App: Go to the Meesho app on your device.
2. Tap on “Refer & Earn”: Find and tap on the “Refer & Earn” option.
3. Share Your Referral Link: Share your unique referral link with friends and family.
4. Earn Rewards: Once your friend places their first order, you earn the reward. There is no limit to the number of referrals you can make.

Why Choose Refer & Earn Apps

Some of the most compelling reasons to choose referral programs and earn are:

• To Earn Extra Money Easily: Many apps offer huge rewards for referrals, allowing you to make extra income with minimal effort.
• To Start Earning Without Investment: You can start earning without any upfront costs, making it accessible for everyone.
• To Build Trust Through Recommendations: People trust referrals from friends and family more than ads, making it easier to get others to join.
• To Earn Flexibly at Your Pace: You can refer people at your own pace, fitting it around your schedule.
• To Enjoy Additional Perks: Besides cash, you can earn discounts, vouchers, and exclusive access to services.

How To Earn And Save More Through Referrals

Stay Updated: Regularly check the apps for new referral campaigns and bonus offers. Some apps offer limited-time promotions that can boost your earnings.

Maximize Your Network: Share your referral links across multiple platforms like WhatsApp, Facebook, and Instagram to reach a wider audience.

Engage with Your Referrals: Follow up with your friends to ensure they complete the actions to qualify for the referral reward.

Combine Offers: Use the cashback and rewards earned from referrals along with other discounts and offers available on the app to maximize your savings.

Read the Fine Print: Always read the terms and conditions of the referral programs to understand the eligibility criteria and avoid missing out on rewards due to technicalities

Tips on How to Use Top Refer and Earn Apps in India Programs

To make the most of Top Refer and Earn Apps in India programs, sharing the product or service with people most likely to be interested in it is essential. This means targeting your referrals to friends, family, and colleagues who are likely to benefit from the product or service.

As a reasonable practice, it is good to carefully read the terms and conditions of the program to ensure that you understand how the rewards are earned and how they can be redeemed.

Conclusion

Refer and Earn Apps programs are a popular marketing tool that benefits both the company and the customer. By encouraging customers to refer new customers, companies can reach new audiences, increase sales, and build brand awareness. 

At the same time, customers can earn rewards simply by sharing products and services they love with their network. With the Top Refer and Earn Apps outlined in this article, you now have the information you need to take advantage of these programs.

FAQs

Q1.  Are Invite and Earn apps safe to use?
Yes, most reputable apps like Google Pay, Meesho, and EarnKaro are safe. Always download from official app stores and avoid sharing referral links on untrusted platforms.

Q2.  Which type of apps offer the best referral programs?
E-commerce, fintech, payment wallets, and gaming apps generally offer the most rewarding referral programs, providing users with cashbacks, discounts, or bonus credits that can be used instantly or withdrawn.

Q3.  Where can I find my referral code?
You can get the referral code on the left side menu of the dashboard under your stuff. The referral code can also be found in the accounts section of the dashboard.

Q4.  Can I earn on my phone?
Yes, smartphones are powerful earning tools with multiple legitimate options available. Popular methods include survey apps, task-based apps, and gaming apps. Content creation through YouTube Studio, ShareChat, and Instagram offers higher earning potential for creative users. Most apps require a 2-4 hour daily commitment and can generate ₹200-5,000 monthly depending on consistency.

Q5.  How can I earn without referrals?
Use apps like Zokera (cashback) or Swagbucks (surveys/offers), where earnings don’t depend entirely on inviting friends.

Q6.  How to get 100 rupees instantly online?
You can earn ₹100 quickly online through methods like completing surveys on reputable sites such as Swagbucks, Ysense, or Toluna, performing small tasks on apps, or by using referral programs from apps like Meesho or ShopClues.