Refer-and-earn apps have become increasingly popular, giving users the opportunity to receive fantastic rewards by inviting others. Well-known platforms like Zupee, Swiggy, Ola, and Flipkart allow you to effortlessly earn money online without investment.
All you have to do is recommend them to friends and family. It’s like getting rewarded for sharing something you love! In this article, we’ll explore some of the best refer & earn apps.‘
Types of Refer and Earn Apps
There are broadly six types of refer-and-earn apps in India that can help you get amazing rewards. Let’s explore them below:
Cashback Apps
Cashback apps reward you with a percentage of your purchase amount when you shop through their platform for clothes, order grocery or book hotel reservations. By referring friends, you can earn additional cash back bonuses when they make purchases.
Online Shopping Apps
Online shopping apps often provide rewards for referring new users who make their first purchase. These rewards can be in the form of discounts, coupons, or points that can be redeemed for future purchases. Popular apps in this category include Amazon and Swiggy.
Payment Apps
Payment apps like PhonePe, Paytm, and Google Pay offer attractive referral bonuses when you invite new users to their platforms. Once these users complete their first transaction, you earn a bonus as a reward. This is a great way to earn some extra money while helping others discover convenient payment solutions.
Rewards Apps
Rewards apps give you points or other incentives for various activities, such as watching videos, completing tasks, or participating in offers. Referring friends to these apps can earn you additional points, which can be redeemed for gift cards or other rewards.
Survey Apps
Survey apps pay you for sharing your opinions on various topics through surveys. Additionally, by referring friends to join the platform, you can earn referral bonuses when they complete their surveys. This way, you not only make money by participating yourself but also boost your earnings by inviting others to share their views.
Gaming Apps
Gaming apps offer rewards for playing games and often include referral programs that allow you to earn bonuses by inviting friends. These rewards can include in-game currency, bonuses, or real cash prizes. Examples of such refer and earn cash apps include Zupee, a gaming platform where you can use skills and strategy to play various real money games.
How do Refer and Earn Apps Work?
An effective referral marketing system leverages word-of-mouth advertising to promote products or services. This technique works because people are more likely to purchase based on a friend’s or acquaintance’s recommendation.
Some of the best money-earning apps have referral programs that incentivize current customers to refer their friends, family, or acquaintances to the business. These programs usually offer rewards or incentives to both the referrer and the referred person.
The process typically involves the following steps:
- A customer signs up in the refer and earn app and receives a unique referral link or code.
- The customer shares the referral link or code with friends, family, or acquaintances through email, social media, or other platforms.
- A referred person uses the unique link or code to sign up for the business’ services or products.
- The referrer receives a reward or incentive for referring the new customer.
- The referred person also receives a reward or incentive for signing up through the referral link or code.
Benefits of Refer & Earn Apps
Now that you know how referral programs work and the different types available, let’s explore some key features and benefits of the best refer and earn apps without KYC, as well as those with KYC.
Easy Way to Earn Rewards
Refer-and-earn programs provide a simple and straightforward way to earn rewards. Users can quickly get bonuses, cashback, or other valuable incentives when their referrals use the refer-and-earn cash app or buy something.
Variety of Rewards Options
Refer-and-earn apps in India often offer a wide range of rewards, including in-game currency, discounts, gift cards, and real cash prizes. This variety ensures that users can choose the rewards that best suit their preferences and needs.
Zero Investment Needed
Participating in these programs typically requires no financial investment. Users can start earning rewards without spending any money, making it an attractive option for those looking for some extra cash without any risk.
Easy Sharing and Referral Process
Refer & earn apps typically feature intuitive and easy-to-navigate interfaces, with clear instructions and easily accessible referral links or codes. This user-friendly design ensures a smooth and hassle-free experience, encouraging users to refer more people and maximize their rewards.
No Limit on the Number of Referrals
Unlike some referral programs that restrict the number of referrals, the best refer & earn apps do not set a limit. This means that users can refer to as many people as they want, allowing them to win many rewards. The absence of referral limits enhances the potential for earning and motivates users to engage in the program actively.
Flexibility
Users can participate in multiple refer-and-earn programs simultaneously, diversify their sources of rewards and benefit from a broader range of incentives.
List of Best Refer and Earn Apps in India
Here, we have selected some of the best refer and earn apps in India. If you’ve ever wondered how to earn money online, this refer and earn apps list is definitely worth checking out:
Top 20 Refer and Earn Apps in India
| Refer & earn apps | Referral Rewards |
| Zupee | Refer & earn cashback up to 100 |
| Swiggy | Refer & earn up to 50 per referral |
| Amazon Pay | Rewards up to Rs 25 per referral |
| Ola | Refer a friend & get a free ride coupon |
| PhonePe | Earn up to Rs 150 |
| Paytm | Refer and Earn Rs 300 |
| Nykka | Refer & Get Rs 10 cashback |
| Flipkart | Gift card of worth Rs 100 |
| Uber | Earn free rides |
| GooglePay | Refer and Earn Rs 81/referral |
| MakeMyTrip | Earn Rs 300 per referral |
| Zerodha | Refer and Earn Rs 300/referral +10% of the brokerage your friend pay |
| Lenskart | Refer and Earn ₹50 LKCash+ |
| Upstox | Earn amazing rewards |
| Dream 11 | Enjoy attractive incentives |
| Groww | Refer and Earn ₹25/referral |
| CRED | Refer and Earn up to ₹500/referral |
| RozDhan | Refer and Earn up to ₹1000/referral |
| CashBoss | Earn bonuses |
| My 11 Circle | Refer and Earn up to 500/referral |
1. Zupee
Zupee is an online gaming platform offering skill-based games like the Ludo games, Snakes and Ladders, and Trump Cards, all playable in under 10 minutes, with cash prizes up to 10 lakhs. For anyone searching for the best refer and earn app, Zupee’s referral program is a great option. Earn up to Rs 100 per referral, and your friends get rewarded, too.
Method of Referral:
- Open the Zupee app.
- Find your special referral code in the app’s ‘Refer & Earn’ section.
- Share this code with friends, family, and social media followers to encourage them to sign up.
Receive a referral bonus when they sign up and start playing skill games on Zupee.
2. Swiggy
Swiggy lets users earn rewards by inviting friends to join and place their first order on the food delivery platform. For each successful referral, you receive Rs. 50 cashback, which you can use to save money on your next order, and your friend gets Rs. 90 off their first order, along with free delivery.
Method of Referral:
- Open your Swiggy app and click on your profile icon in the top right corner.
- Select the “Refer & Earn Program.”
- Start inviting your friends by sharing the referral link.
- Your friends can claim the offer when they place their first order.
- Once they complete their first order, you receive cashback.
3. Amazon Pay
Amazon Pay is an online payment service by Amazon that enables customers to use their Amazon account for purchases on Amazon and third-party sites. As one of the best referral earning apps, Amazon Pay lets you invite friends and family to register and make their first transaction. You earn ₹25 cashback for each successful referral, and your friends receive welcome rewards worth ₹600, including shopping and bill payment benefits.
Method of Referral:
- Download and register on the Amazon App.
- Link your bank account to Amazon Pay.
- Go to the Amazon Pay section, select “Explore,” then “Invite and Earn.”
- Share your referral code by clicking on the invite link.
4. Ola
Ola’s referral program lets users earn ride credits by referring friends. When your friend signs up with your referral code and takes their first ride, you receive a free ride coupon. Your friend may also get a free ride coupon upon signing up for their first ride with Ola.
Method of Referral:
- Go to the Ola app menu and choose ‘Refer & Earn’ to get your referral code.
- On the “Invite Friends” screen, send your referral code and the unique Ola app download link through WhatsApp, Facebook, Messenger, Twitter, SMS, or Email.
- You can also give your referral code to friends directly, either over the phone or in person.
- Earn a free ride coupon when your friend takes their first ride with Ola.
5. PhonePe
PhonePe is a digital payments and financial services platform in India that allows users to make online transactions, mobile recharges, bill payments, and more through UPI. As one of the best refer-and-earn apps in India, PhonePe’s referral program encourages you to invite friends to sign up, complete their first UPI transaction, and earn cashback rewards.
Method of Referral:
- Open the PhonePe app.
- Click on “Refer & Earn.”
- Select the channel through which you want to send the invitation.
- Share the link with others.
- Once your referral signs up and completes the registration process, you will be eligible for cashback.
6. Paytm
Paytm Refer & Earn is a program where users can invite new or inactive users (those who haven’t used Paytm in the past 3 months) to start using the app. When a referee joins through the referral link and completes their first UPI transaction, the referrer gets Rs 100 cashback. The referee also receives guaranteed cashback after their first UPI transaction through Paytm.
Method of Referral:
- Open the Paytm app and navigate to the ‘Refer and Earn’ section at the bottom of the main screen.
- Choose ‘Refer via WhatsApp’ and send your unique referral link to your friends.
- Encourage your friends to use your referral link to sign up and make their first money transfer (minimum Rs 1) to any number using Paytm UPI within 7 days of registration.
7. Nykka
Another app that offers an excellent referral program is Nykaa Beauty, an e-commerce platform for beauty products. With Nykaa’s Refer and Earn program, both you and your friend can earn ₹10 cashback. This cashback can be conveniently applied to your next purchase, allowing you to save money while enjoying a wide range of beauty products.
Method of Referral:
- Pick items worth ₹250 or more and share them with your friends and family through WhatsApp, messages, Instagram, etc.
- When your friend makes a purchase using your link, you both get ₹10 cashback in your Nykaa Wallet instantly.
8. Flipkart
Flipkart, one of India’s leading e-commerce platforms, offers an Invite & Earn program that rewards users for inviting friends to shop on the site. Users can share their unique referral link, and when their friends sign up and make purchases, both the referrer and the referee receive discounts.
Method of Referral:
- Open your Flipkart app and locate the ‘Invite & Earn’ option.
- Share your referral code with a friend.
- Have your friend install the app and enter your code.
- Once your friend makes their first purchase of Rs 500 or more in a single transaction without canceling or returning it, both you and your friend will receive Rs 100 off on an order of Rs 1000 after the successful completion of the purchase.
9. Uber
Uber, the popular ride-hailing service, offers a refer and earn program in India. Users can invite friends to join Uber using their referral code, and when the referred friend takes their first ride, the referrer and the referee receive rewards such as ride credits or discounts on future rides.
Method of Referral:
- In the Uber app menu, find the ‘Refer & Earn’ option.
- Copy your referral code.
- Click on ‘Invite Friends’ to share the code.
10. Google Pay
Google Pay, a widely used digital payment app in India, offers a referral program that allows users to invite friends to join and transact using the app. When a friend signs up through the referral link and completes a qualifying UPI transaction, both the referrer and the referee earn cashback or rewards.
Method of Referral:
- Open your Google Pay app and scroll down to the ‘Offers & Rewards’ section.
- Click on ‘Referrals.’
- Find your referral code under your name and copy it.
- Click on ‘Share’ to send it to your friends and acquaintances.
Learn How to Make Money on Google in 2024.
11. MakeMyTrip
MakeMyTrip, a popular online travel booking platform, offers a refer-and-earn program that rewards users for referring friends to book flights, hotels, or other travel services. When a friend signs up and completes a transaction, the referrer gets 20 MyCash, and the friend gets 50 MyCash. Additionally, once the friend completes a trip, the referrer receives an extra 200 MyCash and coupons worth Rs. 5,500.
Method of Referral:
- Open your MakeMyTrip app and navigate to the left side menu to find the ‘Refer & Earn’ option.
- Click on “SEE WHO’S NOT ON MAKEMYTRIP” to view potential referrals.
- Copy your referral code displayed below and use the share button to send it to your friends and family.’
12. Zerodha
Zerodha, a leading online stock trading platform, is one of the top refer and earn apps in the country. With its referral program, you can earn 10% of the brokerage your friends pay and receive 300 reward points for each successful referral.
Method of Referral:
- Open your Kite app.
- Tap on your Client ID.
- Tap on ‘Invite Friends.’
- Tap on ‘Share.’
13. Lenskart
Lenskart, a popular optical prescription eyewear retailer in India, is among the top refer and earn apps without KYC. With their Connect & Earn program, you can invite your friends to shop at Lenskart. Once your friend makes their first successful purchase, both of you will receive ₹50 LKCash+.
Method of Referral:
- Open your Lenskart app.
- Navigate to the ‘Connect & Earn’ section.
- Copy your referral code.
- Share it with your friends.
14. Upstox
Upstox’s Refer & Earn program that rewards you for each friend who opens a Demat account and starts trading. Friends enjoy zero account maintenance charges, ₹0 commission on mutual funds and IPOs, and ₹20 per order brokerage on equity, F&O, currency, and commodity trades.
Method of Referral:
- Log in to the Upstox app with your 6-digit PIN or Biometrics.
- Select the ‘Account’ tab at the bottom of the screen.
- Tap on ‘Share link via WhatsApp.’ A pop-up will appear, allowing you to invite friends through WhatsApp. You can also share the link using other social apps.
15. Dream 11
If you’re searching for the highest refer and earn app, Dream 11 is an excellent choice. As one of the most popular online earning websites, Dream 11 offers a compelling referral program with attractive rewards.
Method of Referral:
- Log in to your Dream11 app.
- Click on your profile icon at the top left corner.
- In the drop-down menu, select the ‘Refer & Earn’ option.
- Tap the ‘Invite Now’ button and share your referral link with your friends.
16. Groww
Groww’s Refer and Earn program is a simple way to make extra money by sharing the popular investment platform with your friends. It offers attractive rewards, and there’s no limit to the number of people you can refer. Earn ₹25 for each friend who signs up and completes their KYC process.
Method of Referral:
- Open your Groww app and go to the ‘Refer & Earn’ section.
- Share your referral link with friends, family, or anyone interested in investing.
- Ask your friend to complete the entire account opening process to claim their reward.
- Once they activate their account, the cash reward will be added to both their balance and yours. Make sure your stock account is also activated to receive the reward.
17. CRED
CRED’s referral program gives you the opportunity to earn extra cash by introducing your friends to a platform that assists them in managing their credit cards and earning rewards. As the best referral earning app, CRED offers up to ₹500 cashback for each referral, depending on your membership level.
Method of Referral:
- Open your CRED app and tap on the Rewards section.
- Scroll down to find the “Refer Now” button.
- Click on “Share Invite” to send the referral link to your friends.
18. RozDhan
Next on our refer and earn apps list is RozDhan, a popular application that offers individuals the chance to earn cashbacks by engaging in various activities, including referring friends. Through referrals, users can earn up to Rs. 1000, which can be easily withdrawn via Paytm.
Method of Referral:
- Open the RozDhan app on your phone.
- Click on the ‘Login to Earn’ option.
- Obtain your referral link and share it with others. Once they download the app and complete the tasks, you will receive the cash in your account.
19. CashBoss
For anyone looking for the best app for refer and earn, CashBoss is worth checking out. Users can refer their friends to use the app, complete tasks and surveys. In return, both you and your friends enjoy incentives like free phone recharge and bonuses.
Method of Referral:
- Open the CashBoss app.
- Select the “Refer to Earn” option.
- Share the provided code with others.
- You will get paid once your referrals download the CashBoss app using your link.
20. My 11 Circle
My 11 Circle’s referral program allows you to invite friends to play online fantasy games and win rewards. For every successful referral, you can earn up to 500 rupees.
Method of Referral:
- Launch the My 11 Circle app.
- Tap on the “Refer & Earn” option at the bottom of the screen.
- Invite your friends through WhatsApp, free SMS, or email.
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Best Refer and Earn Apps Without Investment – FAQs
What are refer & earn apps?
Refer and earn apps reward users for bringing in new users. By sharing a referral link or code, users can earn cash, discounts, or bonuses when the new user signs up and meets specific criteria.
Which app is best for Refer and Earn?
There are several refer and earn apps without investment, including Zupee, MakeMyTrip, CRED, and Swiggy.
How are referrals paid?
Referrals are paid through rewards or benefits, such as cashback, discounts, vouchers, loyalty points, free products or services, or monetary incentives, as determined by the refer and earn app.
How can I participate in refer and earn programs?
To participate in refer and earn programs, you typically need to be an existing customer of the company or platform offering the program. They may provide you with a referral code or link that you can share with others. You can then share this code or link with your contacts via social media, messaging apps, or email.
Can I refer anyone or are there any restrictions?
Refer and earn apps without KYC, as well as those with KYC, may have certain restrictions or eligibility criteria. These can include limitations on the number of referrals you can make, restrictions on the geographic location of referrals, or requirements for new customers to meet specific conditions, such as making a purchase above a certain amount.
How can I track my referrals and rewards?
The best refer and earn apps provide a tracking system where you can monitor the status of your referrals and rewards. This can be through a dedicated referral dashboard, app notifications, or email updates.
