15+ Best Refer and Earn UPI Apps | UPI Earning Apps 2024

author Ankita Content Writer

Wanna earn extra money without doing much? If you answered yes, you are going through the perfect article.

In this article, I will tell you about the best refer and earn UPI apps, along with the amount of cashback provided and how to refer and earn at different UPI apps. 

Refer and earn applications have grown in popularity in India because they provide a simple means of earning rewards and money by recommending a specific app to friends and family. 

These applications are user-friendly, provide enticing rewards, and have received favourable feedback from users.

Likewise, if you are interested in earning paytm cash, then do check out our article, How to Earn Paytm Cash with Latest Apps?

Best Refer and Earn UPI Apps

Best Refer and Earn UPI Apps in 2024 That Are Worth Using

Here, I have mentioned the list of best refer and earn UPI apps with their cashback price per referral. For precised details about each App, do read the entire article. 

App Names

Cashback Per Referral


Rs. 100


Rs. 200

Google Pay

Rs. 201


Earn Up to Rs. 100

Amazon Pay UPI

Rs. 25

Airtel Thanks App

Rs. 50


Up to Rs. 750


Rs 500 to Rs 1200 or even more


Rs. 350


Rs. 55


Rs. 100

Rozdhan App

Rs. 8


Rs. 75


Upto Rs. 5000


Rs. 100


Rs. 25

Wanna know how to enter Referral Code in Gpay? Read our article on the same.

1. Mobikwik


Create your Mobikwik UPI handle and get Rs. 100 on Sign up. The cashback will be credited after your first transaction using your UPI ID. You can also share your Mobikwik UPI referral link with friends to earn Rs. 100 per invite. Find your unique referral link on this Best Refer and Earn UPI Apps. Share the link with friends and family to earn Rs. 100 on every successful invite. Also, earn special rewards on reaching different milestones. So here is your opportunity to earn with Mobikwik Refer and earn an offer.  

How to Earn with Mobikwik App

  • Step-1: Download the Mobikwik app 

  • Step-2: Register using a mobile number & password. 

  • Step-3: Create your unique UPI id.

  • Step-4: You will receive 100 Rs cashback after your first transaction

  • Step-5: Now click on the “invite & earn” option.

  • Step-6: There you will get your referral link 

  • Step-7: Share your referral link with friends who are new to Mobikwik

  • Step-8: Ask them to create a Mobikwik UPI ID using your link

  • Step-9: Once your friend does the first transaction through Mobikwik, both earn Rs. 75 cashback.

2. PhonePe


PhonePe is one of the first apps to support UPI payment and considered the Best Refer and Earn UPI Apps among all. The app has many useful features and at the same time provides an opportunity to earn money. With PhonePe, you can earn cashback on money transfers, mobile recharge, and scan & pay, among other transactions. Refer a new user to PhonePe and earn scratch cards. You can earn Rs. 200 with PhonePe refer offer. The scratch card will be credited as a reward after the first transaction of your referred user. You can earn unlimited cashback by inviting more and more friends. Remind your first to complete his/her 1st money transfer transaction after linking a bank account on PhonePe to earn cashback.

How to Earn with PhonePe App

  • Step-1: Download the phonepe app 

  • Step-2: Register using your mobile number & password. 

  • Step-3: Create your unique UPI id.

  • Step-4: You will receive 200 Rs cashback after linking your bank account to phonepe.

  • Step-5: Now open the left sidebar > click on the “invite & earn” option.

  • Step-6: There you will get your referral link like 

  • Step-7: Send it to your friends who are new to PhonePe 

  • Step-8: Ask them to download the app through your link only

  • Step-9: When your friend does any transaction through phonepe for the first time, you get referral cashback in your PhonePe wallet.

3. Google Pay

Google Pay

Google pay is one of the Best Refer and Earn UPI Apps which is popular for its attractive offers. You earn scratch cards for money transfers on the app. The scratch card gives cashback that is directly credited to the bank account of the user. You also earn on payment at merchant sites such as MakeMyTrip, Oyo, and Ola Cabs, among others. Most importantly, with the Google Pay referral offer, you earn Rs. 201 per referral. Share your Google Pay Referral code to earn cashback directly into your linked bank account. With the Google Pay UPI referral offer, you earn a reward after the first send money transaction of your invited friend. Once your friend completes the first UPI transaction, the referral cashback will be credited to your linked bank account. 

How to Earn with Google Pay? 

  • Step-1: Download the Google Pay app

  • Step-2: Register using your mobile number & password. 

  • Step-3: Create your unique UPI id.

  • Step-4: You will receive Rs. 201 cashback after linking a bank account to Google Pay.

  • Step-5: Click on the “invite & earn” option.

  • Step-6: There you will get your referral link like 

  • Step-7: Send it to your friends who are new to Google Pay 

  • Step-8: Ask them to download the app through your link only

  • Step-9: When your friend does any transaction through Google Pay for the first time, you get Rs. 201 in the bank account

4. Paytm 


Paytm has also made the UPI feature available for users. You can open a Paytm Payments Bank account or link to another bank account to start using Paytm UPI on Paytm App. Refer and earn is also available on Paytm App. Once you activate UPI on Paytm App, you can transfer money without charges. You also unlock Paytm UPI offers on recharge, bill payment, money transfer, and more. Also, share your Paytm UPI referral code to earn cashback. You earn up to Rs. 100 for every successful referral. The cashback will be credited after the first successful transaction of your friend.

How to Earn with Paytm UPI?

  • Step-1: Download Paytm app

  • Step-2: Register using your mobile number & password. 

  • Step-3: Create your unique UPI id.

  • Step-4: You will receive up to Rs.100 cash back after the first transaction using Paytm UPI

  • Step-5: Click on the “invite & earn” option.

  • Step-6: There you will get your referral link like 

  • Step-7: Send it to your friends who are new to Paytm UPI

  • Step-8: Ask them to download the app through your link only

  • Step-9: When your friend does any transaction through Paytm for the first time, you get Rs. 100 in your wallet

5. Amazon Pay UPI

Amazon Pay UPI

The e-commerce giant recently introduced a UPI payments feature for android users. Amazon is offering rewards to users on UPI transactions. Now, Amazon UPI is also available for iOS users. Amazon is offering daily rewards on UPI as well. You can transfer money to any UPI ID or Scan QR code and unlock rewards. Amazon has also launched refer and earn offers. You can refer users to Amazon Pay UPI and earn Rs. 25 for every successful referral. The cashback will be credited once your invited friend does his first UPI transaction - money transfer, scan and pay, or FASTag recharge.

How to Earn with Amazon Pay UPI?

  • Step-1: Download Amazon Pay app

  • Step-2: Register using your mobile number & password. 

  • Step-3: Create your unique UPI id.

  • Step-4: You will receive Rs. 25 cashback after the first transaction using Amazon Pay UPI.

  • Step-5: Click on the “invite & earn” option.

  • Step-6: There you will get your referral link like 

  • Step-7: Send it to your friends who are new to Amazon Pay UPI

  • Step-8: Ask them to download the app through your link only

  • Step-9: When your friend does any transaction through Paytm for the first time, you get Rs. 25 in your wallet

6. Airtel Thanks App

 Airtel Thanks App

UPI feature is available on the Airtel Thanks app. This Best Refer and Earn UPI Apps help users to manage their Airtel accounts and, at the same time, is a source for hassle-free payments. Airtel has also acquired a Payments Bank license. So you can open an Airtel Payments bank savings account or link any other bank account to get started. Airtel offers Rs. 50 worth of discount coupons on every successful referral. You are eligible for a referral reward as soon as your friend signs up on the Airtel Thanks app. 

How to Earn with Airtel UPI?

  • Step-1: Download Airtel Thanks App

  • Step-2: Register using your mobile number & password. 

  • Step-3: You will receive Rs.50 discount coupon

  • Step-4: Click on the “invite & earn” option.

  • Step-5: There you will get your referral link like 

  • Step-6: Send it to your friends who are new to Paytm UPI

  • Step-7: Ask them to download the app through your link only

  • Step-8: When your friend completes registration, you both get Rs. 50 discount coupons each

7. Cred


Cred has also introduced the Scan and Pay feature. Now, you can transfer money to any QR code or UPI ID using this one of the Best Refer and Earn UPI Apps. This feature has been made available for all users. As part of the welcome offer, cred is also rewarding users for every UPI transaction. If you are new to Cred, then you also get up amazing cashback amount on your 1st bill payment/utility payment. With the introduction of the UPI payment feature, Cred has further cemented its place as a payment app. Recently, the app introduced a mobile recharge option for users. 

How to Earn with Cred?

  • Step-1: Download Cred App

  • Step-2: Register using your mobile number & password. 

  • Step-3: Click on the “invite & earn” option.

  • Step-4: There you will get your referral link like 

  • Step-5: Send it to your friends who are new to Cred

  • Step-6: Ask them to download the app through your link only

  • Step-7: Get Rs. 750 discount coupons each when your friend completes registration.

8. Upstox


Upstox is utilized for mutual funds and trading in Indian Markets; the most appealing part is that Upstox provides amazing cashbacks and offers by using its referral code after signing up for the item, and you can enjoy even more when you share the referral code with your friends and family. If a new trader is joining, they should complete the formalities of the app and open a trading account for the exclusive referral to get the amount in their bank account.

How to Earn with Upstox App

Step-1: Install Upstox App

Step-2: Sign in and create a trading account 

Step-3: After Signing in, upload the required documents

Step-4: Click on the “Refer and Earn tab”.

Step-5: Your referral code is now generated

Step-6: Share the link via Whatsapp numbers, SMS, or groups.

Step-7: Once your friend or family member creates the account through your referral link, you will receive between Rs 500 to Rs 1200.

Furthermore, go through our article on how to enter Referral Code in Helo. 

9. TimesPrime


The Times Prime app is an all-in-one Indian subscription that offers best-in-class subscriptions and special deals on news, education, entertainment, food, travel, fashion, health, and fitness, among many other topics. It also provides an exclusive lifestyle membership. Disney+ Hotstar, Sonyliv, Zomato Pro, Google One, Urban Company, as well as special deals on Uber, Myntra, Flipkart flight booking, Cultfit membership, Udemy, and other services are available to you through the Times Prime app. 

Users can get paid a fixed amount of ₹350 through the Times Prime Refer & Earn Program for each new paid user they bring to the site. A ₹350 discount is also given to the referral for their initial purchase. ₹3500 is the maximum referral amount that can be received.

How do I refer and earn through TimesPrime?

  • Open the Times Prime App.

  • On the Homepage, find and select the "Refer & Earn" option banner.

  • Send out your special invite link or referral code by SMS, Facebook, WhatsApp, or other ways that work best for you.

  • Request that your friend use your invite link to purchase a Times Prime membership.

  • Once your friend uses your invite code to purchase a Times Prime membership, you will receive your referral amount.

10. Winzo


Popular games like rummy, pool, poker, and carrom are among the more than 100 games available on WinZO, an online gaming platform that serves a sizable Indian population. Players have lots of chances to form teams and win big sums of money that are immediately deposited into their linked bank account or WinZO wallet. WinZO is an incredibly dependable and trustworthy platform for online gamers, offering a user-friendly interface, round-the-clock customer support, welcome bonuses, sizable cash prizes, and an amazing overall gaming experience. You will receive ₹55 for each successful referral, and you are free to refer as many people as you like to the Winzo Refer and Earn Program.

How do I refer and earn through Winzo?

  • First, you create your referral link using the WinZO app or our website. 

  • You can then share this link on social media and advertise the app on whatever platform works best for you—Instagram, YouTube, WhatsApp, etc.

  • Get paid when your referral completes one paid gameplay.

11. Groww


Using Groww, users can make investments in stocks, mutual funds, and other financial instruments online. This one of the Best Refer and Earn UPI Apps offers a range of features, including real-time market data, portfolio management, and tax optimisation, along with an easy-to-use interface for users to manage their investments.

Users can share the app with as many people as they like through Groww's Refer & Earn Program, and they will receive a one-time payment of ₹100 each time an account is activated using their link. This commission is first added to your Groww wallet, from which it can be invested in various financial instruments or withdrawn into a bank.

How do I refer and earn through Groww?

  • Once you've sent your friends the link, ask them to open an account and finish the entire process so they can get their rewards.

  • You and your friends will get paid when they successfully activate their accounts. But make sure your stock account is activated in order to get the reward.

12. Rozdhan App

Rozdhan App

You can earn free Paytm cash with RozDhan by watching videos, playing games, and reading thought-provoking articles. In addition, you will receive ₹8 in your RozDhan account for each friend you recommend. Additionally, you'll get paid extra each time your friend uses the app to make a purchase.

You receive ₹50 for registering on RozDhan and an additional ₹30 for your initial log-in. You won't run out of things to read or watch either, as new and interesting content is added every day. Once your balance reaches ₹200, you can instantly withdraw your earnings using Paytm or UPI.

How do I refer and earn through Rozdhan?

  • Send your friend your referral link through WhatsApp or any other social media platform.

  • After clicking the link, your friend becomes a new user of the Rozdhan app.

  • In your Rozdhan app, you will find the referral reward after successfully opening an account.

13. MPL


India's Best Refer and Earn UPI Apps, MPL Pro (Mobile Premier League), pays up to ₹10,000 for each successful referral. It's an online gaming platform where you can play games like poker, rummy, ludo, and more to win real money prizes. Winnings in cash every day can total ₹30 Crores. Furthermore, when your friends make their first deposit, the app gives you and them cashback.

Engaging in MPL's "refer and earn" program benefits both parties! A ₹75 Bonus Cash is yours when your friend joins MPL through your referral link. Not only that, but MPL is even more giving—up to ₹75—you will receive Bonus Cash equal to a whopping 50% of your friend's first deposit.  It's a fantastic method to increase the platform's enjoyment and revenue.

How do I refer and earn through MPL?

  • To view your referral code from within the app, download it.

  • Find the Refer & Earn tab in the app's lower right corner.

  • Easily start earning by sharing on WhatsApp with your friends!

14. Freecharge


With over 100 million users nationwide, Freecharge is a well-known brand in the payment app industry. This one of the Best Refer and Earn UPI Apps has changed over time to rank among India's top financial services and investing apps. With Freecharge, you can easily do everything from investing and lending to bill payment and recharge. Freecharge, a 100 per cent Axis Bank subsidiary, is well-known for providing secure and easy UPI payments, utility bill payments, mobile and DTH recharges, Pay Later options, and other services.

By referring friends, users can earn rewards through Freecharge's refer and earn program upto Rs. 5,000. Both the referrer and the friend get exciting rewards like cashback, coupons, or discount vouchers when their friend completes their first transaction.

How do I refer and earn through Freecharge?

  • Open the Freecharge application.

  • Proceed to "Rewards."

  • To get your referral link, click "Refer & Earn."

  • Distribute your link for referrals widely!

15. CreditMantri


CreditMantri, this app gives their users Rs.100 paytm cash as a reward if they provide three successful referral transactions. The specific role of this App is to help you in checking your credit score and make that credit score better, and it also provides its users with an eligible loan amount. Not only this, but you can also compare the amount of loan details from different providers and opt for the best one that offers you an eligible loan amount with a minimum rate of interest. There is no invite limit, you can send the referral code as much as you can, which means that you have an amazing opportunity to earn. Signing up and creating an account with CreditMantri is pretty easy; you just need to enter your mobile number, and then you will receive an OTP on your number, verify that otp, fill in the required details, and that’s it. Now enjoy Rs 100 on every referral and start making money. 

16. TaskBucks


TaskBucks is one of the most reputable and oldest refer and earn apps in India which was established in 2015 and has since been ruling the Indian market. This app is perfect for all the people out there who want to earn money online as this app offers numerous ways as compared to other money-earning apps. You can earn money in many different ways like by playing quizzes, playing games, installing apps, inviting friends & earning referral rewards, completing small tasks and earning absolutely free Paytm Cash. If you have IOS, don’t worry; this app supports Android as well as IOS operating systems; all you need to do is download the app and refer to the provided referral link and start earning. You will get Rs.25 for every referral when they join TaskBucks.

Also, Read- फ्री में पैसे कैसे कमाए (Free me Paise Kaise Kamaye)

Functioning Of The Referral System

  • Referral programmes are a popular marketing tactic for brands. We are provided with a link for referral or code when we download and use an app.
  • The sender is often compensated with a set sum for assisting the business with branding if we share the link among relatives or close friends and they use it to download and use the app.
  • The number of UPI payment apps, e-commerce apps, including fantasy cricket games that offered a sizable number of referral bonuses has decreased recently.
  • Many more recent apps, such as Demat accounts that deal with stocks like Upstox, Paytm Money, Groww, and Zerodha, as well as other affiliate advertising apps like EarnKaro, CueLinks, and Zingoy, are already earning respectable amounts of referral compensation due to the growing popularity of this method.
  • When you share the app's link with your friends and they make a purchase using your link, you will receive a commission.
  • These referral-based money-making apps operate in exactly this way. Apps for affiliate marketing, money transfers, and fantasy sports do offer significant revenue possibilities.

Why Should You Consider The Apps Refer And Earn?

  • Low Entry Barrier: Refer and earn applications have very little startup cost and are very simple to use. To begin earning money, simply download the app, share your referral link, and watch the money come in.

  • High Potential For Earnings: Refer and Earn applications present a promising opportunity for high earnings, as some of them offer up to 100% commission for each referral. This implies that you can earn a substantial income with little work if you recommend enough people.

  • Refer And Earn Apps: These apps let you earn money passively. You can relax and watch your bank balance increase after you've set up your referral link.

  • Promoting Goods and Services You Believe In: Refer and Earn apps let you advocate for goods and services you firmly feel strongly about. It's simpler to maintain motivation and to keep introducing new people as a result.

  • Flexibility: You can work on your terms and set your own hours with the Refer and Earn apps. Because of this, it's ideal for people who want to be independent of traditional employment and earn money on their own terms.


I hope this article has provided you with enough information about the Best Refer and Earn UPI Apps. Now share your referral link with friends and family to earn more. You get unlimited chances to earn with the best UPI-earning apps. Each app mentioned above is prevalent, and you can get started in a few simple steps. Remember, to receive the referral reward; your friend has to complete his first transaction after linking his bank account to the app. 

Frequently Asked Questions

Q. Which UPI gives cashback?

A. The UPI app Google Pay provides a range of rewards and cashback options. Cashback is available for a variety of purchases, including movie tickets, internet shopping, and bill payments. Additionally, Google Pay offers a loyalty program called Google Pay Rewards, in which each transaction you make will earn you points.

Q. Which UPI app has the highest limit?

A. G Pay had the highest UPI limit. Users can send or receive up to ₹1 lakh (Rs 100,000) per day using Google Pay, as the maximum UPI transaction limit is applicable to all banks. For the first 24 hours, new users are subject to an initial ₹5,000 UPI transaction limit.

Q. Can we use two UPI apps?

A. Yes, it is possible to link accounts from any bank that has registered with UPI and use multiple UPI applications on the same mobile device.

Q. Is the BHIM app better than Google Pay?

A. Google Pay is significantly faster than the BHIM app. While Google Pay is quicker, PhonePe outperforms it. One special feature of the BHIM app is that it allows users to pay with their Aadhar cards. To make payments, you can use the beneficiary's Aadhaar number.

Q. How are UPI apps earning?

A. To use the UPI infrastructure, UPI payment apps pay a small platform fee to the NPCI. This charge helps the NPCI, which runs and maintains the UPI ecosystem, to make money. Depending on the quantity and value of transactions handled by the UPI app, the platform fee may change.

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