Best Refer-and-Earn Apps in June 2025 [No Investment Needed]
Earning money without investment is no longer a dream in 2025 — it’s a smart side hustle if you use the right apps. One of the best ways to start earning passively is by using Refer-and-Earn programs. These allow you to earn cash, wallet credits, gift cards, or other rewards simply by inviting friends or family members to sign up and use a service.
Whether you’re a student, a part-timer, or someone looking to boost your monthly income, refer-and-earn apps can give you a simple yet effective way to make money. And the best part? You don’t need to spend a single rupee to get started.
Top Refer-and-Earn Apps in June 2025
1. CRED
- Reward: ₹150 per referral (you and your friend both)
- How to Refer: Go to “Refer & Earn” in the app and share your link to your friends or social media.
- Best For: People with credit cards get more benefit on it.
2. Zupee
- Reward: Up to ₹200 per referral + bonus commissions
- How to Refer: Tap profile icon → Invite friends
- Best For: Gaming lovers [ Like Ludo, Snake game any more like this.]
3. Meesho
- Reward: ₹500 after friend’s first order
- How to Refer: Go to “Account” → “Refer & Earn” get the link share to your friend or social media handle.
- Best For: Resellers, students, homemakers or those who want a part-time job.
4. Groww
- Reward: ₹100 per referral after KYC + investment
- How to Refer: Go to “You” → “Refer & Earn”
- Best For: Beginners in stock market
- As of June 2025, Groww's "Refer and Earn" program allows users to earn up to ₹1,00,000 per month through referrals. This is based on a maximum of 1,000 successful referrals per month, with each referral earn ₹100.
5. PhonePe
- Reward: ₹100 after first UPI transaction by your referral
- How to Refer: Tap on profile → Invite & Earn
- Best For: Digital payment users
- To maximize your referral earnings:
- Share your referral link with friends and family and also to your social media handle fore more response.
- Ensure that the referred individuals are new to PhonePe and complete their first UPI through any amount transaction within 7 days of registration.
- Monitor your earnings to stay within the ₹9,999 annual cap.
6. PocketFM
- Reward: ₹100–₹150 per referral
- How to Refer: Open Menu → Refer & Earn
- Best For: Story & audio content lovers
7. Paytm
- Reward: ₹50–₹200 per referral
- How to Refer: Go to profile → “Refer and Earn”
- Best For: Wallet and recharge users
8. Airtel Thanks App
- Reward: ₹100 cashback
- How to Refer: Inside “Refer a Friend” option
- Best For: Airtel users
9. Google TaskMate (Beta)
- Reward: Varies by tasks completed
- Note: App still in beta, access limited
- Best For: People with early access invites
10. TrueBalance
- Reward: ₹100 per referral
- How to Refer: Check “Refer & Earn” tab in app
- Best For: Users from smaller cities
Tips to Earn More from Refer-and-Earn Apps
- Create reels or YouTube Shorts explaining how to use the app
- Use WhatsApp broadcasts to share your referral link with contacts
- Join or create a Telegram channel to share earning updates
- Post reviews on Instagram, YouTube, or your own blog
- Always promote apps you’ve personally tried and trust
Quick Comparison Table
| App | Reward | Friend’s Benefit | Investment |
|---|---|---|---|
| CRED | ₹150 | ₹150 | No |
| Zupee | ₹200 | Free Games | No |
| Meesho | ₹500 | Discount | No |
| Groww | ₹100 | ₹100 | No |
| PhonePe | ₹100 | Cashback | No |
| PocketFM | ₹150 | Free Audio | No |
| Paytm | ₹50–₹200 | Cashback | No |
| Airtel Thanks | ₹100 | ₹100 | No |
| TaskMate | Varies | Earn from tasks | No |
| TrueBalance | ₹100 | Offers | No |
Final Words
Refer-and-earn apps are a golden opportunity to start earning in 2025 with no money. The trick is to be consistent and smart about promotion. Whether you make ₹500 or ₹5,000 per month depends on how creatively and regularly you share your referral links.
If you’re just starting, pick 2–3 apps from the list above and share your referral code on social media, YouTube, or messaging apps. With a bit of effort, you’ll be surprised how much passive income you can build.So don't be late start from now.
Which app are you going to try first? Comment below or check out more guides on MoneyFeather!