Best Refer & Earn Apps in India (2025): Earn Money by Inviting Friends
In recent years, refer-and-earn apps have gained massive popularity in India. These platforms allow users to earn cash, rewards, or bonuses simply by referring friends and family. Whether you're a student, homemaker, or working professional, these apps provide an easy side income with minimal effort.
Table of Contents
1. Introduction to Refer & Earn Apps
Refer-and-earn apps operate on a simple principle: you invite friends, they sign up using your referral code/link, and both of you get rewards. These rewards can be in the form of:
- Cash bonuses (direct bank transfer)
- Wallet cash (Paytm, PhonePe, Amazon Pay balance)
- Discount coupons (Swiggy, Zomato, Flipkart)
- Stocks & mutual funds (Groww, CRED)
2. How Do Referral Apps Work?
- Sign Up: Download the app and register.
- Get Referral Code/Link: Share it with friends via WhatsApp, SMS, or social media.
- Friend Joins: They must sign up using your code and complete a required action (e.g., first payment, KYC verification).
- Reward Credited: Once the condition is met, both you and your friend receive the reward.
3. Top 15 Best Refer & Earn Apps in India (2025)
3.1. PhonePe
Reward: ₹100-₹500 per referral
Condition: Friend must make a transaction (bill payment, recharge, etc.)
Payout: Direct to bank or PhonePe wallet
Link: https://phon.pe/093vjn3t
3.2. Google Pay (GPay)
Reward: ₹101-₹501 per referral (varies with offers)
Condition: Friend must send their first payment
Payout: Bank transfer
3.3. Paytm
Reward: Up to ₹100 per referral
Condition: Friend must complete KYC & first transaction
Payout: Paytm wallet
3.4. CRED
Reward: ₹100-₹1000 (cash or coins for exclusive rewards)
Condition: Friend must have a credit score ≥ 750 & pay a credit card bill
Payout: CRED coins or cash
3.5. Groww
Reward: ₹100-₹500 per referral
Condition: Friend must invest a minimum amount (e.g., ₹500)
Payout: Bank transfer or Groww balance
3.6. Jupiter Money (Neobank)
Reward: ₹200-₹1000 per referral
Condition: Friend must open a Jupiter account & complete transactions
Payout: Bank transfer
3.7. Fi Money (Neobank)
Reward: ₹250 per referral
Condition: Friend must open a Fi account & complete KYC
Payout: Bank transfer
3.8. Mobikwik
Reward: ₹50-₹200 per referral
Condition: Friend must add money to wallet or make a payment
Payout: Mobikwik wallet
3.9. Amazon Pay
Reward: ₹50-₹150 per referral
Condition: Friend must make their first Amazon Pay transaction
Payout: Amazon Pay balance
3.10. Meesho (Reselling App)
Reward: ₹200-₹500 per referral
Condition: Friend must sign up & place their first order
Payout: Bank transfer
3.11. Swiggy
Reward: ₹50-₹150 (discount coupons)
Condition: Friend must place their first food order
Payout: Swiggy Money
3.12. Zomato
Reward: ₹100 (Zomato credits)
Condition: Friend must order food via Zomato
Payout: Zomato wallet
3.13. BharatPe (For Merchants)
Reward: ₹100-₹500 per referral
Condition: Friend must be a merchant & activate BharatPe QR
Payout: Bank transfer
3.14. Airtel Thanks
Reward: ₹50-₹200 per referral
Condition: Friend must recharge via Airtel Thanks app
Payout: Airtel wallet
3.15. KreditBee (Instant Loan App)
Reward: ₹200-₹1000 per referral
Condition: Friend must take their first loan
Payout: Bank transfer
Best Refer-and-Earn Apps in June 2025 [No Investment Needed]
4. How to Maximize Earnings from Refer & Earn Apps?
✅ Share on Multiple Platforms (WhatsApp, Telegram, Facebook, Instagram)
✅ Use Referral Links in Bio (Instagram, YouTube, LinkedIn)
✅ Join Referral Groups (Telegram & WhatsApp groups for referrals)
✅ Refer Friends & Family First (They are more likely to join)
✅ Track Expiry of Referral Offers (Some have time limits)
5. Are Referral Earnings Taxable in India?
Yes, if you earn more than ₹50,000/year from referral bonuses, it may be taxable under "Income from Other Sources". Companies like CRED & Groww may deduct TDS if rewards exceed ₹5,000/year.
6. Pros & Cons of Refer & Earn Apps
Pros:
- ✔ Easy passive income
- ✔ No investment required
- ✔ Works for students & professionals
- ✔ Helps discover new apps and services
Cons:
- ❌ Limited referrals per user
- ❌ Some apps have strict conditions
- ❌ High competition
- ❌ Risk of fraud or fake accounts
7. Conclusion
Refer-and-earn apps are a great way to earn extra money in India. The best apps in 2025 include PhonePe, Google Pay, CRED, Groww, and Jupiter Money and many more like this . By referring friends strategically, you can earn ₹5,000-₹20,000/month passively.
Start referring today and boost your income! �
8. Frequently Asked Questions
Q1. How many friends can I refer to earn money?
Most apps have limits ranging from 10-50 referrals per month. Premium users in some apps like CRED can refer up to 100 friends.
Q2. Do I need to invest money to use these apps?
No investment is needed for most apps. However, some investment platforms like Groww require your friend to invest a minimum amount (usually ₹100-500) for you to earn the reward.
Q3. How long does it take to receive referral bonuses?
Typically 24-72 hours after your friend completes the required action. Payment apps like PhonePe and Google Pay usually credit instantly.
Q4. Can I use multiple referral codes for the same app?
No, most apps allow only one referral code per new user. Trying to use multiple codes may disqualify you from rewards.
Q5. Which app gives the highest referral bonus?
As of 2025, Jupiter Money (up to ₹1000), KreditBee (up to ₹1000) and CRED (up to ₹1000) offer the highest rewards per referral.
Q6. Are there any age restrictions?
Yes, most apps require users to be at least 18 years old. Banking/finance apps may require users to be 21+ with valid KYC documents.