By | March 9, 2024

Every person wants to create an extra income source through the Internet without investing money, so much time, and effort. It was quite hard until now. In 2024, anyone irrespective of skill, qualification, knowledge, gender & age can earn money online. One of the best ways to earn online is by using referring apps and websites. One just has to pick one or more refer and earn programs and start referring people. One can earn decent amounts of money by doing this process. Let’s have a look, at the top 20 Refer and Earn apps and websites in India.

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Why should you prefer to Refer and Earn Apps?

The Refer and Earn option gives you the flexibility to earn a decent amount of money that can be earned from your comfort zone. Let’s discuss the pros.

  • Low Entry Barrier – Refer and Earn are incredibly easy to join and require almost zero investments. All you need to do is sign up with the app and start sharing the referral link with your people and networks. As they join and purchase money flows into your account.
  • High Earning Potential – By using the Refer and Earn app you can earn up to 100% commissions. Some apps offer 100% commission per referral.
  • Passive Income – Once you create your referral link and share it with your network you are set. Now you created your passive income source. If your network does well then you will earn money while sleeping.
  • Promote your Trusted Apps – If you are using the product or app and it is genuine, you will surely refer it to your friends and families. That trust will give you the confidence to promote the app and earn money.
  • Flexibility – Refer and Earn offers you the flexibility you want. You can earn money while sleeping, traveling, watching movies & working at the office. You can set your terms and your time to perform this work.
Best Refer and Earn Apps

List of 20 Best Refer and Earn Apps in India

Refer and Earn AppsReferral Earnings
CouponEdge10% lifetime + 20 Bonus*
Zerodha10% of the brokerage + 300 reward points
CREDUp to 1000
Paytm Money400 per referral + up to 50% rev share
Mobikwik100 SuperCash
5Paisa200 Referral credit & 12.5% brokerage sharing
CouponEdge PromoUp to 1000
Amazon Pay25
Google Pay201
Dhan20% of brokerage
ySense30% recurring income
Times Prime350

1. CouponEdge

CouponEdge Best Coupons, Cashback Website in India

CouponEdge is a Cashback & Affiliate Marketing website. Users can earn cashback on all online shopping via CouponEdge. It also provides users the option to generate affiliate earning links and share them with friends, family, and social networks. If anyone purchases via the earning links the person who shared the link will earn cashback that is transferable to the bank account.

CouponEdge also has a Refer and Earn program that allows users to refer the app to their network. With this simple effort, users can earn a flat 10% lifetime commission on whatever their referrals earn + 20 per referral as referring bonus.

Referral Earnings – 10% Lifetime + ₹20 per referral

CouponEdge Refer and Earn Program Details

Share the unique referral link and unlock the extra earning potential. By referring friends, family, and network to CouponEdge, you can earn a lifetime 10% commission on the profits generated by your network + 20 per referral. Start referring now!

How to Refer and Earn on CouponEdge?

  1. Create a free account on CouponEdge or Login.
  2. Navigate to my account on CouponEdge and click on Refer and Earn.
  3. Copy the unique referral link.
  4. Share the referral link everywhere from social media platforms to blog posts or YouTube channels.
  5. Also, invite your friends via email.
  6. When anyone creates an account on CouponEdge using your link, you will be eligible to earn a 10% lifetime commission on their earnings.

2. Zerodha

Zerodha Referral Code & Coupon

Zerodha No 1 Discount stock broker in India. It offers investment options like mutual fund investment, stock investment, and gold bond investment to its users. It provides users with a user-friendly interface to manage investments and real-time data in the stock market.

Zerodha also runs the Refer and Earn program for its users. It offers a flat 10% of the brokerage earned by your referrals. Also, get 300 reward points per referral which can be redeemed in the Zerodha app.

Referral Earnings – 10% share of the brokerage

Zerodha Refer and Earn Program Details

Get a flat 10% of the brokerage generated by your referrals. Also, get 300 reward points for each successful referral. The 10% earnings can be transferred to a bank account and rewards points can be redeemed within the platform for other tools.

How to Refer and Earn on Zerodha?

To use Refer and Earn you should be a user of Zerodha. If you are not a user join now.

  • Visit
  • Enter your Client ID.
  • Share the affiliate link on WhatsApp, Facebook, Twitter, or LinkedIn.


CRED Refer and Earn Program

CRED club is a private club for members only, it gives rewards on credit card bill payment on time. On CRED you can manage all your credit cards and access free credit scores also. It also has a Refer and Earn program that allows users to earn up to 1000 by referring friends and family.

Referral Earnings – Up to ₹1000

CRED Refer and Earn Program Details

Refer your friend to CRED and earn up to ₹1000. When your friend joins CRED using your referral link and makes a first credit card bill payment you stand a chance to win ₹1000 and your friend will get 250. After the first payment only you will get the cash.

How to Refer and Earn on CRED?

  • On the Homepage, click on the “Refer” option.
  • Next, share the referral link through WhatsApp or invite your friends directly.

Keep in mind that the CRED referral link is valid for only 48 hours. Ensure your friend downloads the app before that, or you can send another link to them.

4. Paytm Money

Paytm Money Referral Code

Paytm Money is one of the best discount stock brokers in India. They charge low brokerage and provide the best services in the stock broking field.

To start investing in the stock market you need to open an account with Paytm Money and complete your KYC. After activation of the demat and trading account, you can start investing and trading in the stock market.

Referral Earnings – ₹400 per referral + up to 50% rev share

Paytm Money Refer and Earn Program Details

Paytm Money offers ₹400 per referral + up to 50% rev share of the brokerage. To earn with Paytm Money Refer and Earn you need a KYC-verified account and you are ready to earn.

How to Refer and Earn on Paytm Money?

  • Login & visit to dashboard.
  • Navigate to the Refer & Earn section.
  • Copy the unique referral link.
  • Share with friends & families.

5. Upstox

Upstox Free Demat Account Referral And Coupon Code

Upstox is a fintech company offering an online trading platform catering to stock brokers, retail investors, and traders. Their platform grants users access to a diverse array of financial instruments, including stocks, mutual funds, ETFs, and derivatives.

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Notably, Upstox boasts a remarkably generous payout in its Refer & Earn program. Upon activation of an account through your referral, you’ll receive a credit of ₹200 into your Upstox wallet. This amount can be readily invested or withdrawn to your bank account.

Referral Earnings – ₹200

Upstox Refer and Earn Program Details

Refer your friends and Family to earn exciting rewards!

Your friends will enjoy the following:

  • A Demat + Trading account with low account maintenance charges
  • ₹0 commission* on Mutual Funds and IPO investing
  • ₹20* per order brokerage on Equity, F&O, Currency & Commodity

How to Refer and Earn on Upstox?

  • Log in to the Upstox app using your 6-digit PIN or Biometrics.
  • Tap on ‘Accounts’ at the bottom of the screen.
  • Click on ‘Rewards’.
  • Select your preferred communication channel for sending invitations.
  • Choose the contacts you want to invite and tap the “Send” button.

6. PhonePe

PhonePe Referral Coupon Code

PhonePe is an Indian digital payment platform created by the e-commerce giant Flipkart. It empowers users to conduct smartphone-based payments through the Unified Payments Interface (UPI), credit/debit cards, as well as alternative payment methods like digital wallets. In addition to facilitating payments, PhonePe offers features such as bill payments, mobile recharge, and money transfers.

With the PhonePe Refer & Earn program, users have the opportunity to earn a guaranteed flat amount of ₹200 whenever a referral adds their UPI details and makes their first payment to the payment platform.

Referral Earnings – ₹200

PhonePe Refer and Earn Program Details

The Refer and Earn promotion offers an exciting chance to earn cashback by simply referring people to download and install the PhonePe app.

How to Refer and Earn on PhonePe?

  • Open the PhonePe app on your device.
  • Navigate to the “Refer & Earn” option.
  • Select your preferred communication channel for sending invitations.
  • Choose the contacts you want to invite and tap the “Send” button.

Your invited contacts will receive a message containing your unique referral link. All they need to do is click the referral link to download and install the PhonePe app.

7. Mobikwik

Mobikwik Coupon, Promo Code & Cashback Offer

MobiKwik is a versatile app that empowers its users to invest in digital gold, stocks, and mutual funds. Furthermore, the app streamlines online bank transfers and facilitates convenient bill payments.

Referral Earnings – ₹100 SuperCash

How to Refer and Earn on MobiKwik?

  1. Click on the “Refer & Earn” App Card.
  2. Share it via WhatsApp or any other medium of your choice.

8. 5Paisa

5Paisa Referral Code

5Paisa is a platform that stands out for its straightforward approach to brokerage fees. Regardless of the commodity, trade size, or exchange, they offer a flat brokerage fee. What’s more, there are no bothersome account opening charges to contend with. For mutual fund enthusiasts, 5Paisa offers a nominal charge of ₹10 for each executed order. The platform also boasts an enticing referral program that can earn you ₹200 in referral credit, a 12.5% brokerage sharing scheme, and various other rewarding incentives.

With 5Paisa, you gain access to both regular and direct mutual funds, albeit with potential AMC charges. Nonetheless, the advantages are abundant. You can swiftly create a Demat account in just 5 minutes, enjoy commission-free trading, and invest in a diverse array of options, including stocks, futures, commodities, options, currency, and MCX commodities.

Referral Earnings – ₹200 Referral credit & 12.5% brokerage sharing

5Paisa Refer and Earn Program Details

5Paisa introduces an exceptional refer-and-earn program, enabling traders and investors to invite their friends and family to experience the remarkable platform while reaping fantastic rewards.

How to Refer and Earn on 5Paisa?

  • Share your unique referral link with friends.
  • Your friend opens an account using your referral link.
  • Receive an account opening payout in your ledger account.
  • Earn unlimited brokerage sharing income when your friend trades.

9. AngelOne

AngelOne Free Demat and Trading Account

Angel One Present in the industry since 1987. Angel One is one of the largest independent full-service retail broking houses in India in terms of active clients on NSE as of July 31, 2018. It has more than 11,000 sub-brokers and over 110 branches. It has a pan-India presence in over 1,800 cities and towns.

Angel Broking Limited is a member of the Bombay Stock Exchange (BSE), National Stock Exchange (NSE), Metropolitan Stock Exchange of India (MSEI), NCDEX & MCX. It is also registered as a Depository Participant with CDSL.

Angel iTrade Prime” is the discount broking service under Angel One. It offers ₹0 brokerages For Equity Delivery & ₹20/Order For Intraday, F&O, Currencies & Commodities.

Referral Earnings – ₹300

How to Refer and Earn on AngelOne?

  • Login to Angel One Account
  • Navigate to Refer and Earn.
  • Copy the unique link and share.

10. Paytm

Paytm Coupon Code & Cashback Offers

Paytm is an Indian digital payment and e-commerce corporation that provides a mobile wallet, online payment solutions, bill payment services, and online shopping facilities. With a presence in multiple languages, Paytm is embraced by over 8 million merchants across India.

Participating in the Paytm Refer & Earn Program can be highly rewarding. Your efforts can earn you up to ₹50,000, with a guaranteed minimum amount of ₹151. Furthermore, your referral will receive a surprise cashback on their initial UPI payment.

Referral Earnings – ₹151

Paytm Apps Refer and Earn Program Details

When you refer your friends to become part of the Paytm community, you have the potential to earn up to ₹10,000. Each successful referral brings you a reward of ₹151. What’s more, when your friend initiates their first UPI money transfer on Paytm, they will receive a guaranteed surprise cashback reward.

How to Refer and Earn on Paytm?

  • Click the “Invite” button and share your unique invite link via WhatsApp, Facebook, SMS, or Twitter.
  • Ask your friends to click on the invite link you shared.
  • When your friend completes their first UPI Payment on Paytm, you will receive a flat ₹100 cashback reward for each successful referral.

11. CouponEdge Promo

CouponEdge Best Cashback Website in India

CouponEdge Promo is a part of the CouponEdge app that lets users earn Paytm cash by downloading and using third-party apps. You can earn up to ₹1000 by referring people.

Referral Earnings – Up to ₹1000

How to Refer and Earn on CouponEdge Promo?

  • Visit CouponEdge Promo Refer and Earn Apps Page
  • Select Offer and Enter your Phone Number.
  • A referral link will be generated.
  • Share with Friends and Family.

12. EarnEasy

EarnEasy Referral Code

EarnEasy is a straightforward app that lets users earn Paytm cash by downloading and using third-party apps. New sign-ups on the EarnEasy app are greeted with a generous ₹50 signup bonus, and users can further earn ₹15 in commission through its refer-and-earn program.

Referral Earnings – ₹15

How to Refer and Earn on EarnEasy?

  • Open the Earn Easy App.
  • Tap on the “Refer & Earn” button.
  • Share your unique referral code with your friends.
  • Tap on the social icons to easily share the code on various platforms.

13. Amazon Pay Refer and Earn

Amazon Pay Coupon & Cashback Offers

Amazon Pay is a trusted payment service that enables customers to utilize their Amazon accounts for secure purchases of products and services on external websites. It ensures a secure and smooth payment process, offering customers the convenience of using their Amazon credentials for online transactions. Amazon Pay enjoys broad acceptance among global merchants, spanning online stores, marketplaces, and physical retailers.

Through Amazon Pay’s Refer & Earn Program, users can accrue ₹25 in credit directly to their Amazon Pay balance for every successful referral. Additionally, the new user stands to gain benefits worth ₹600 upon UPI registration.

Referral Earnings – ₹25

Amazon Pay Refer and Earn Program Details

The Amazon Pay UPI referral program enables you to invite your friends and family to register with Amazon Pay UPI and complete their first send-money or scan-and-pay transaction. For each successful referral, you earn ₹25 in cashback, and your friends receive welcome rewards valued at ₹600 for UPI registration. These rewards encompass shopping and bill payment benefits, making it a win-win proposition for both referrers and referees.

How to Refer and Earn on Amazon Pay?

  • Open the Amazon app.
  • Access the main menu and select “Amazon Pay.”
  • Click on “Invite & Earn” and navigate to “Invite Your Friends.”
  • Share your referral link with friends and family.

14. Google Pay

Google Pay Cashback Offers

Google Pay simplifies financial transactions on your phone with just a few taps, offering you a range of options to transfer money between accounts. What’s even better is that for any transaction exceeding ₹150, you stand a chance to win enticing rewards.

Referral Earnings – ₹201

How to Refer and Earn on Google Pay?

  • Open the Google Pay app and tap your profile in the top right corner.
  • Select “Invite friends, get rewards”.
  • Share your referral link with friends and family via WhatsApp, email, SMS, or other methods.
  • Once your friend installs the app through your link and completes their first transaction, you’ll qualify for the referral bonus.

15. mStock

mStock Coupon Code

Referral Earnings – ₹555

16. Dhan

Dhan Free Demat Account

Referral Earnings – 20% of brokerage

17. CreditMantri

Credit Mantri

If you’re looking to boost your income while managing your credit score, the CreditMantri app is an ideal choice!

This app serves as a valuable tool for monitoring and enhancing your credit score, opening doors to improved financial prospects. What’s even better is that by referring just three of your friends to the app, you can pocket a reward of ₹100 in Paytm cash. And the potential for earnings doesn’t have a cap! You can keep inviting as many friends as you’d like and continue to boost your income.

Registering on the app is a breeze. Simply input your mobile number, validate it with an OTP, and complete your profile. Once you’re in, you can start referring your friends and earning money right away.

Referral Earnings – ₹100

CreditMantri Refer and Earn Program Details

When the referee signs up on CreditMantri using a friend’s referral link, the referrer is entitled to a cashback reward. With each successful referral, the referrer earns ₹100. These earned referral earnings are promptly credited to the user’s Paytm account. It’s important to note that PAN verification is necessary to claim these rewards.

How to Refer and Earn on CreditMantri?

  • Click on your name and select the “Refer and Earn” option.
  • There, you’ll find your Referral code and Referral link.
  • Copy the referral link and start sharing it with your friends.

18. TuskBucks


TaskBucks stands as one of the most renowned and trustworthy refer-and-earn apps available, offering numerous avenues to bolster your earnings.

What sets TaskBucks apart is its versatility in money-making opportunities. Whether you prefer answering questions, downloading new apps and games, completing quick and straightforward tasks, or simply referring friends to the app, there’s something to suit everyone’s preferences.

In comparison to other money-earning apps, TaskBucks excels with its user-friendly interface and a dependable payout system, making it a standout choice for those seeking additional income.

Referral Earnings – ₹63

TaskBucks Refer and Earn Program Details

By referring their friends daily, users can accumulate credit benefits of up to ₹63. Furthermore, they earn coins through friend referrals and app installations. These credits can be employed for gaming purposes, and any winnings can be redeemed into their Paytm wallet.

How to Refer and Earn on TaskBucks?

  1. Open the app and go to the “Invite” section.
  2. Select the “Invite” option to generate a referral link.
  3. Share the link with your friends and family.
  4. When someone uses your link to download TaskBucks, you will receive a payment.

19. ySense


ySense offers various avenues for users to earn money, including watching videos, signing up for different websites, and installing programs through ySense offers. One of its standout features is that there are no fees associated with taking surveys or playing games on ySense. This means that you can utilize the program completely free of charge and have the opportunity to earn a significant income without any initial investment.

With its provision for completing surveys and earning money through referrals to their website or app, ySense stands out as one of the finest referral and earning applications in India. Their attractive referral program offers a 30% recurring commission on your referrals’ earnings, adding to the platform’s appeal for those looking to maximize their earnings.

Referral Earnings – 30% recurring income

How to Refer and Earn on ySense?

  • Log in to your account.
  • Once logged in, navigate to your main screen, where you will find your unique referral link listed.
  • Share your referral link with potential referrals.

20. Times Prime Refer and Earn

Times Prime

Times Prime is an exclusive membership platform by Times Internet, offering access to a realm of exclusive lifestyle and entertainment experiences. Members unlock a treasure trove of discounts, offers, and benefits across a diverse array of products and services, including food delivery, travel, entertainment, shopping, and much more.

With the Times Prime Refer & Earn Program, users have the opportunity to earn a fixed amount of ₹350 for each new paid user they introduce to the platform. Notably, the referred individual also receives a ₹350 discount on their initial purchase. The maximum referral amount that can be availed stands at ₹3500.

Referral Earnings – ₹350

How to Refer and Earn on Times Prime?

  • Open the Times Prime App.
  • Locate and click on the “Refer & Earn” option banner on the Homepage.
  • Share your unique invite link or referral code via WhatsApp, Facebook, SMS, or other preferred methods.
  • Ask your friend to purchase the Times Prime membership using your invite link.

Why do companies do referral marketing?

Referral Marketing is one of the marketing strategies, where companies offer fantastic incentives to their customers like you for recommending the product or services of the company to your networks. This incentive could be discounts, gifts, or any other benefits that make sense.

How does Referal Marketing work?

  • Companies create referral programs with exciting rewards and offers for referring new customers.
  • They encourage you to invite your friends and family.
  • When anyone signs up with the company, you get rewards for your referral.

Referral marketing offers mutual benefits as it relies on the trust and authenticity of customers, such as yourself. When you share your positive experiences with a company, you’re essentially giving them a resounding vote of confidence, which strongly encourages others to give them a try too.


Numerous Refer and Earn apps can be found on the internet. Some of these apps might make extravagant claims of offering exceptionally high returns for your referrals. Nevertheless, it’s essential to be cautious, as not all of these apps come with a solid foundation and dependable protocols. We’ve provided you with a list of the top 20 Refer and Earn apps that are exceptionally reliable and can help boost your earnings quickly.


What are Refer & Earn Apps?

Refer & Earn apps are platforms that reward users for referring friends and family to download and use the app. These programs typically offer incentives such as cash, gift cards, discounts, or other rewards for successful referrals.

Which app gives money for refer and earn?

There are several apps that offer money for refer and earn including CouponEdge, Groww, Upstox, Paytm, and Amazon Pay.

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