17 Highest Paying Refer and Earn Apps in India [2023]

refer and earn apps

Making some extra money by referring others is a great idea. Referring friends or family to the apps is all it takes to start earning money; you don’t need to put much effort into it. The other person can be your colleague, a friend, or an acquaintance.

As word-of-mouth advertising has been observed to be one of the most effective methods of marketing strategy, many businesses use the referral program to promote their products to a broader audience.

There are many top refer-and-earn apps available in the market with different methods of rewarding referrals or encouraging users to recommend their products to others. The reward might sometimes be in the form of an additional discount while using the service or purchasing, and it can also sometimes come in the form of cash on an app.

These top refer and earn apps reward you for each referral and are listed below. The best refer and earn apps for 2022 are shown here.

17 Highest Paying Refer and Earn Apps in India


The best platform for connecting freelancers with clients is Fiverr. They can be available in more than 160 countries, and clients can hire any freelancer depending on their budget. All you require is to sign up for free if you want to join in the Fiverr affiliate program.

You can make $15–$50 CPA and a 30% commission on each course and pro-plan order for Fiverr services. Their cookies expire after 30 days, and their minimum payout is $100.

Google Pay 

Previously known as Tez, Google Pay was recently acquired and changed its name. It allows customers to easily conduct financial transactions from their mobile phones. There are many ways to transfer money. This amazing program has made money transfers from one account to another streamlined like never before.

People choose Google Pay because they give users the opportunity to win a scratch card for any transaction they make which prices more than Rs. 150. Although their refer and earn program is excellent, it sometimes changes. Normally, the referral commission payment per reference is between Rs. 150 to Rs. 180; earlier, they were paying Rs. 201. For iOS and Android, download Google Pay.


In India, PhonePe is the most widely used UPI app after Google Pay. You can conduct a wide range of online payments with this app. Everything is possible with the PhonePe App, like bank transfers, investments, gold purchases, and in-app purchases.

From the beginning, PhonePe has offered a referral bonus. You will receive cashback if you invite your friends to sign up and use PhonePe to make UPI payments.

A successful referral will earn you ₹125 in your PhonePe wallet.


Similar to Phonepe, Mobikwik is a payment app. You can send or receive money, recharge your phone, pay bills, invest in mutual funds, the stock market, and digital gold with the help of Mobikwik.

Mobikwik has a referral program just like other payment apps, and you may use it to get cash back into your wallet. They used to give an offer of $80 for each referral, however their referral program now only allows for a cashback of $20.

Amazon Pay

Amazon has relaunched their existing refer and earn program in the new year 2022. You will now receive a $75 cashback into your Amazon Pay Balance if you refer a friend to use Amazon Pay. Additionally, the person who signs up using your link will receive up to ₹125 rewards.

But keep in mind that you won’t receive anything if your recommended friend already has an Amazon UPI account or if they fail to successfully execute their first UPI transaction. They must send money or scan and pay for their first UPI transaction.


In India, PhonePe is the most popular UPI app after Google Pay. You can make a wide range of online payments with this app. Everything is possible with the PhonePe App, like bank transfers, investments, gold purchases, and in-app purchases.

From the beginning, PhonePe has offered a referral bonus. You will receive cashback if you invite your friends to sign up and use PhonePe to make UPI payments.

A successful referral will earn you ₹125 in your PhonePe wallet. After that, you can quickly and conveniently transfer the funds in your PhonePe wallet to your bank account.


ySense is one of the best refer-and-earn apps in India as it gives users the opportunity to earn money by referring friends to their website or app and by completing surveys. Their referral program is interesting because it offers a sizable 30% commission to those who promote others.

Additionally, you can earn money with ySense by doing other activities like watching movies, signing up for different websites, and installing apps that are part of ySense offers.


The most popular money-making app in the world is Swagbucks. Earning money or getting free gift cards are your two options.

Every day, members redeem more than 10,000 gift cards. By completing surveys, receiving payment for your grocery purchases, shopping at your favorite stores and finding new products and content, you can win free gift cards.

You may sign up right now and receive a $10 welcome bonus.

CoinSwitch Kuber

It is a cryptocurrency trading app that gives its customers a Rs. 50 signup bonus and Rs. 50 for each referral. One of the safest and most reliable cryptocurrency trading apps in India is this one. You can trade in more than 100 cryptos on it at the cheapest prices and with the highest liquidity.

To join up for this platform, all you have to do is download the app, enter your mobile number, and complete the registration process. Download Coin switch for iOS and Android.


Users can manage their credit cards and make payments through the app. Cred is more popular because it allows you to keep an eye on all credit card transactions and monitor your expenses. Both iOS and Android users can download this app to their phones, and it is completely free to use.

Because you get benefits for paying your credit card bills on time, this is one of the best refer and earn apps. The many products listed in the app can be earned using these points.

Dhani App

You can meet all of your financial requirements through Dhani. To manage all of your payments, you can receive Instant Personal Loans, Credit Lines, and Wallets. Earn Dhani Points as well for all Dhani App purchases.

One of the best referral schemes is offered by the Dhani app, which allows you to suggest friends and receive up to $1,000 per referral.


In India, this is a stock brokerage. Irrespective of the size, commodity, or trade exchange, a fixed brokerage fee is charged. It has no account opening fees and a fixed amount of ₹10 for every executed order for mutual fund investments. You can purchase both direct and regular mutual funds on 5Paisa.

The 5Paisa online stock brokerage firm has a beautiful referral bonus. If you recommend a friend, you will receive $500 as well as a lifetime brokerage fee of up to 40%. You must first create a Demat account at 5Paisa in order to refer a friend.


One of India’s top stock trading apps is is Zerodha. It is the most trustworthy and highly recommended app for investing in stocks and F&O trading.

In addition, the app gives you Rs. 300 on its refer and earn window and pays 10% of your lead brokerage fees.


One of the best apps for making a lot of money is this one. You simply have to download the Upstox app and sign up. Verify your profile by following the instructions.

You will receive INR 1200 for each person who accepts your invitation and starts an account when it is finished. You can then refer anyone.

Your account’s verification will take some time, but it will be worth it.


Another fast growing investment platform in India is Groww App. It started out as a mutual fund platform and has since grown more quickly. Groww offers a reliable refer-and-earn program that pays 100 RS for every successful customer you refer to the app.

IIFL Securities

A well-known stockbroker in the Indian capital markets is IIFL Securities. They have a referral program that encourages existing customers to inform people about their services in order to make some extra money. They provide their customers free equity delivery trading, indicating there is no brokerage fee associated with it, but they charge Rs. 20 for all other dealings.

With a reward of Rs. 500 for every successful referral, their referral program is pretty attractive.


In India, Meesho is the most popularly used app for reselling. You can make money with this app by reselling products like clothing, furniture, kitchen, etc. You can set up an online store, list Messho products, and sell those products to friends or customers.

You can invite your friends to start their business on Meesho through the referral program for this app. Once your friends sign up for Meesho and start selling products, you will receive a 25% commission for each of their sales for the next 12 months.


There are many refer and earn apps available on the internet, but I have only chose the best 17 apps. Every apps is genuine and offers a reward that is guaranteed. Simply download these apps to your mobile, share your referral link with friends, and start earning rewards.

On a daily basis, we publish a many of refer-and-earn, online games, and free Paytm cash earning apps on our website. You can leave a comment below if you have any suggestions!

Ritik Namdev

Welcome to The Money Explain Blog. I founded this site to help make a difference in people's lives by delivering objective, reliable advice and recommendations that help them make more money, save more money, and invest wisely.​


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Ritik Namdev

Ritik Namdev



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