Top 10 Refer and Earn Apps: In India for 2025

Finding ways to earn money online, especially as a source of secondary income, can be tough. However, refer and earn apps are here to help.

But - What are these apps?

Refer and Earn apps let you earn money by recommending them to other people. How much you earn can change depending on the app, but you can pick the one that works best for you

List of 10 Best Refer and Earn Apps in India

We've handpicked the top 10 refer and earn apps without investment from a vast pool, just to streamline and enrich your earning journey.

1. GroMo

GroMo is a money earning app that provides a platform for individuals to earn money by selling financial products like loans, savings accounts, and investment plans to their network.

GroMo's refer and earn program allows users to earn money from home for free by referring others to use the platform for selling financial products, with earnings based on the sales made by those referrals.

You will get ₹2,100 when your referral completes their 5th sale.

• GroMo's Refer and Earn Process:

Step 1: Open the GroMo app and go to the 'Refer & Earn' section.

Step 2: Share your unique referral link with your friends and family.

Step 3: Promote GroMo and its products to your network through various channels.

Step 4: Track your referrals and earned rewards within the app.

2. Paytm Money

Paytm Money is a financial services app in India, part of the Paytm ecosystem, offering investment and wealth management products. Users can invest in mutual funds, stocks, and National Pension System (NPS), among others.

Paytm Money's refer and earn program allows you to earn rewards by referring friends and family to open a Demat account and start investing through Paytm Money.

You get ₹300 for each successful referral that opens a Demat account using your link and an extra ₹200 if the referred friend invests ₹1000 or more within 30 days of account opening.

• Paytm Money's Refer and Earn Process:

Step 1: Go to the Refer & Earn section in your Paytm Money app.

Step 2: Share your unique referral link with your friends through any platform (WhatsApp, Facebook, etc.).

Step 3: When your friend opens an account using your link, you'll be notified and your reward will be credited to your Paytm wallet within 7 days.

3. Upstox

Upstox is an online brokerage firm based in India, offering trading services in stocks, commodities, and currency derivatives.

Upstox offers a Refer & Earn program, allowing you to receive rewards for each friend you refer who opens a Demat account and begins trading on their platform.

Each successful referral who opens an Upstox account using your link can earn you between ₹500 and ₹1200, depending on the ongoing offers and promotions.

• Upstox's Refer and Earn Process:

Step 1: Open the Upstox app or website and access the Rewards section.

Step 2: You'll find your unique referral link and various sharing options to send to your friends.

4. PhonePe

PhonePe is a digital payments and financial services platform in India, enabling users to make online transactions, mobile recharges, bill payments, and more, through a UPI.

PhonePe's refer and earn focuses on encouraging you to invite friends to sign up for PhonePe and complete their first UPI transaction within 5 days.

For each successful referral, you stand to earn between ₹100 and ₹1000. The precise amount is revealed through a scratch card, adding an element of surprise to your reward.

Your referred friend also gets a cashback reward on their first UPI transaction.

• PhonePe's Refer and Earn Process:

Step 1: Open the PhonePe app

Step 2: Tap on the Refer & Earn section

Step 3: Share your unique referral link with your friends

Step 4: When your friend joins PhonePe using your link and completes their 1st transaction within 5 days, you'll receive your reward.

5. Google Pay

Google Pay is an online payment system developed by Google, enabling users to make payments, transfer money, and manage their finances across various devices and platforms.

Google Pay's refer and earn focuses on encouraging you to invite friends to sign up for the Google Pay app and complete their first UPI transaction within 7 business days.

You can refer and earn up to ₹300* per successful referral when someone downloads Google Pay, sets up an account, and completes their first payment within 7 business days.

Google Pay's referral program is one of the best way to earn money for the students looking for the best earning app for student without investment

• Google Pay's Refer and Earn Process:

Step 1: Open the Google Pay app

Step 2: Go to the 'Payments' section

Step 3: Scroll down and tap on 'Invite Friends to Google Pay' and share it with your friend

Step 4: When your friend makes their first payment, you'll both receive your rewards.

6. Meesho

Meesho is an Indian social e-commerce platform that allows individuals and small businesses to start their online stores via social channels like WhatsApp, Facebook, and Instagram.

The Meesho customer referral program rewards users for referring new customers, who then get discounts on their first order, while the referrer earns a commission on every purchase made by the referred customer.

Earn a 25% commission on the order value for each successful referral who makes their first purchase on Meesho through your link. The larger the order value placed by your referral, the higher your commission will be.

In e-commerce industry meesho is one of the best app for refer and earn.

• Meesho's Refer and Earn Process:

Step 1: Open the Meesho app

Step 2: Go to the 'Share & Earn' section

Step 3: Choose the product you want to promote and share your unique referral link or code

Step 4: When your friend makes their first purchase on Meesho using your link, you'll receive a commission on the order value

7. Zerodha

Zerodha is an Indian financial services company, known primarily for offering low-cost brokerage services for stock trading, commodities, and mutual funds.

Zerodha's refer and earn program allows existing clients to earn rewards by referring new customers who open an account and start trading on their platform.

1. Long-Term Passive Income:

   • Earnings: Receive 10% of the brokerage fees generated by your referred friends each month.
   • Duration: This earning potential lasts for the lifetime of the referred account's activity.

2. Reward Points for Referrals:

   • Points per Referral: Earn 300 reward points for each successful referral.
   • Redemption: These points can be redeemed for a variety of benefits within the Zerodha platform.

• Zerodha's Refer and Earn Process:

Step 1: Click on 'Console' and open Rewards & referrals.

Step 2: Send your link to friends, family, or online channels

8. Groww

Groww is an investment platform that offers an interface for investing in stocks, mutual funds, and other financial instruments.

Groww's refer and earn program is an easy way to make extra money by telling your friends about a well-known investment platform. It offers good rewards, and there's no limit to how much you can earn.

1. Earn ₹25 per Referral: Get ₹25 for each friend who signs up and finishes their KYC process.

2. Potential Earnings up to ₹10,000: Depending on your friend's investment actions within the first 30 days of joining, you can earn an extra ₹500 to ₹10,000. The exact amount varies based on their chosen investments, like mutual funds or stocks.

• Groww's Refer and Earn Process:

Step 1: Click on the 'Refer & Earn' section of your Groww app

Step 2: Share it with friends, family, or anyone interested in investing.

9. ySense

ySense is an online platform that allows you to earn money online without investment through various activities like surveys, tasks, and on the internet.

ySense's Refer & Earn program is an easy way to make more money. Along with what you do on the platform, it can really help you earn extra by referring it to your friends and family.

You can earn ₹10 to ₹25 for each friend who signs up and confirms their email through your referral link. Plus, you will receive an extra ₹170 when your friend makes their first ₹400 on ySense, not including commissions and bonuses.

• Ysense's Refer and Earn Process:

Step 1: Click on the 'Refer & Earn' section in your ySense account.

Step 2: Copy the Unique referral link and share it with your friends, family, or online communities

10. CRED

Cred is a company in India that gives rewards to people for paying their credit card bills using its app and also provides different money-related services.

CRED's refer and earn program enables you to earn some extra cash while introducing friends to this platform that helps them manage their credit cards and potentially earn rewards.

Earn up to ₹1000 per successful referral depending on the credit card bill your friend pays within the first month of joining

Reward Structure:

• CRED's Refer and Earn Process:

Step 1: Open the CRED app and navigate to the 'Refer & Earn' section.

Step 2: Share your unique referral link with friends, family, or online communities.

Step 3: When your friend uses your link to join CRED and pays their first bill within the first month, you both receive your rewards.

Different Types of Refer and Earn Apps

There are broadly eight types of refer and earn apps that could potentially become a source of passive income.

Let's learn more about them below:

Why Refer and Earn Apps are Best for Passive Income?

Refer and earn apps can be an appealing option for the ones who are searching for online work from home jobs without investment. We have mentioned the reasons below:

1. Low Effort Required: After referring someone with a refer and earn app, there's usually nothing more to do. You will earn passive income when your referrals use the app or buy something.

2. No Investment Needed: Most refer and earn programs don't require any financial investment. You just need to leverage your network to make referrals.

3. Wide Reach Through Social Media: As more and more people are coming on social media, it's easier to refer and earn by reaching a large audience without much effort. A good example of this is social media influencers.

4. Multiple Options: There are numerous refer and earn apps and services offering referral programs, ranging from financial services to shopping, allowing you to choose programs that best fit your network's interests.

5. Flexibility: You can participate in multiple refer and earn programs at the same time to diversify your potential income sources.

Key Takeaways

1. Refer and Earn apps without investment like GroMo, Paytm Money, and Upstox offer a simple way to earn by selling financial products or opening investment accounts.

2. These apps cover a wide range of services, including shopping, financial services, travel, food delivery, wellness, and e-learning, providing diverse earning opportunities.

3. Refer and Earn apps like PhonePe and Google Pay, offer rewards not just for referrals but also for the subsequent actions of the referred individuals.

4. The referral programs often have no limit on the number of referrals, allowing for potentially unlimited earnings, as seen with Groww and CRED.

5. The process of refer and earn is user-friendly and accessible, involving sharing a unique link, as demonstrated by Meesho and ySense.