Want to know the Best refer and earn apps list ? Well you have landed on the right article!
The digital wave has truly taken over the nation. A few years back people would have laughed at you if you said they could or should make payments for purchases via their mobile phones,
However, today you will find people roaming around with no cash and only digital means to pay.
Digital apps are not only helping you pay money but are also providing the user with lots of benefits like rewards or referrals to earn in the form of coupons or cash-backs.
What these digital payment sources are doing is called Affiliate marketing.
Best refer and earn apps list
App Name | Refer Code | Sign Up Bonus | Earn Per Referral |
|---|---|---|---|
Free Demat Account | ₹20* per order brokerage | ||
Up to ₹100 | Up to 1000 Refer Reward | ||
Up to ₹35 Cashback | Up to ₹35 Cashback | ||
Free Demat Account | Voucher Up to ₹500 | ||
Free Demat Account | Up to ₹5000 Voucher | ||
Free Demat Account | 300 Reward Points | ||
Free Demat Account | Up to ₹300 Cashback | ||
Up to ₹25 Cashback | Up to ₹75 Cashback | ||
Up to ₹100 Cashback | Up to ₹100 Cashback | ||
Up to ₹100 Cashback | Up to ₹12000 Cashback |
Here's our Top Picks For Best Refer and Earn apps :
Also Read :
Top 20+ Best Refer And Earn Apps List : Best Referral Programs In India
1. Upstox
Upstox has one of the Best Referral Programs in India. This is one of India's leading stock broker apps where people can buy and sell stocks as well as mutual funds.
The company is backed by Ratan Tata's Tata company. Rated 4.4 stars the app has more than half a crore downloads.
The app can be downloaded on the phone and once you have signed it you get a code that when shared with a friend and once used the shares gets in app cash rewards.
Earning bonus points and commission: When a referral is activated the user gets 400 rupees and after the referred friend makes their first trade another 300 rupees are received.
How we can withdraw our money: All you need to do is click on 'Withdrawal request' and put in the amount you want to withdraw and the amount shall be transferred to your paired bank account.
What are the things to be kept in mind while downloading the app: The app has various charges to upkeep the account, don't share private data or passwords of the app and download from a designated website or application.
2. Groww App
Groww is a platform that enables the users to invest in Mutual funds. However, the app is not limited to just that as the users can also trade in stocks on this app.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
The app has been downloaded more than 10 million times and enjoys a rating of 4.5 stars as shared by various users of the app.
The app is mobile-friendly and gives each user a referral link that can help them avail multiple benefits.
Earning bonus points and commission: Signing up for Groww gets the users 100 and referral helps them to earn 400 more taking the total to 500.
How we can withdraw our money: Go to your Groww balance, click on withdrawal, and enter the amount you want to withdraw, and then you shall receive the amount you applied for.
What are the things to be kept in mind while downloading the app: No portfolio sharing, steering clear of risks, hiding one's details.
3. Amazon Pay UPI
Owned by Amazon, the paying wallet of the Amazon app is your e-wallet when purchasing, selling, or returning an item.
It is an intangible wallet holding your money from transactions made on Amazon.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
This mobile app has more than 100 million downloads and a rating of 4.3 stars. One of the best referral apps that pay in 2022
Starting in 2022, Amazon Pay allows you to refer your UPI referral code to your friends, all you have to do is share it with them.
Earning bonus points and commission: If your friends use your referral code and then complete their first UPI transaction then you get 75 rupees as cashback.
How we can withdraw our money: Firstly, choose the Withdraw option then choose the source where you want the money transferred, and then put in the amount and you are good to go.
What are the things to be kept in mind while downloading the app: The bank details and app details must not be shared with others, no sharing OTPs, remember the login details or you may lose your e-wallet and money.
4. IIFL Securities
IIFL is yet another stock broker app on which the people can trade in shares, commodities, and other market items
Telling about the ratings, reviews, apps that are mobile-friendly, and how you can share and refer your friends:
This mobile-friendly app boasts a 4.3-star rating and has more than 5 million downloads. All you have to do is share your referral link with your friends and you can start earning.
Earning bonus points and commission: Once your friend has used your link and downloaded the app, they need to make their first trade on the app and as soon as it is done you get a 500 rupees voucher.
How we can withdraw our money: One can go to the withdrawal section, choose the place where they want to transfer the fund, put in the amount needed and that's that.
What are the things to be kept in mind while downloading the app: Not to share passwords, or portfolios, not to do insider trading, and keep the account details safe.
5. 5Paisa
5Paisa is for Stocks, derivatives, currencies, etc. this is yet another stock broking app that allows the users to refer and learn money.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
The app is functional on mobile and has a 4.2-star rating. The app has been downloaded more than 10 million times to date.
Using a referral link or code the person can earn rewards by sharing it with their friends.
Earning bonus points and commission: When your referred friend downloads the app you get rupees 200 and 12.5 percent brokerage on every referral. On the first referral one also gets vouchers worth 5000 rupees.
How we can withdraw our money: All you have to do is simply click on the withdrawal option, put in the amount, select the source, and then you get your amount in your bank account or wherever you opted for it.
What are the things to be kept in mind while downloading the app: Remember your password, don't share OTPs, and not share your account details or portfolio.
6. Zerodha
Zerodha is a stock broker that lets people deal with various items in the stock market through its range of applications.
There are also apps that look at providing people with knowledge of the markets.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
The chain of apps by Zerodha are mobile friendly and have combinedly been downloaded more than a couple of lakh times and have a more than average rating.
Either share a link with your friend or put in their details in the app to get the benefit of referral and earn by Zerodha.
Earning bonus points and commission: For each referral, Zerodha gives 300 points to the user and also a 10% brokerage of what your friends pay for their transactions.
How we can withdraw our money: The user simply needs to apply for withdrawal by choosing the source and amount of withdrawal and that's how you get the money drawn out.
What are the things to be kept in mind while downloading the app: Always keep your password and portfolio protected. Avoid any tips that you may receive and stay away from insider tips.
7. Google Pay
Google pay is your intangible wallet with intangible money. It is an online/digital mode of payment that aims to make transactions cashless and hassle-free.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
The app has been downloaded as many as 500 million times and has gotten a 4.3-star rating to show for itself.
The app has a referral code that you can share with friends and family to avail certain benefits. Google pay is one of the refer and earn apps without kyc.
Earning bonus points and commission: You can get 100 rupees for successfully referring to your friend. When they make their first transaction you are eligible for another 100 rupees.
Apart from that when you use the app, after a certain amount of payments you keep getting various rewards at some intervals.
How we can withdraw our money: Check your balance, if it is sufficient, then go and choose the Transfer out option. This is how it world in the US. In India, you can scan the code in an ATM and put the card details used on the app to withdraw the money.
What are the things to be kept in mind while downloading the app: Never share your PIN, keep the bank details safe with yourself. OTPs need to be kept away from others.
8. MobiKwik
Mobikwik is a payment app built for digital payments back in 2009. Tasked with providing cashless transactions, Mobikwik is another top player in the digital payments field in India.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
A 4.2 star and over 50 million downloads for this mobile-friendly app show its popularity.
Using a referral code you and your friend can both earn benefits of referring and earn programs.
Earning bonus points and commission: When your friend uses your referral code, makes an account, and adds 50 rupees to their wallet, that is when you both get 100 rupees in your wallet from the app. Per user, the benefit of referring and earning can go up to 5,000 rupees.
How we can withdraw our money: Choosing for Wallet to Bank transfer option in the Mobikwik app, then putting in the necessary details can help a person transfer funds from app to bank.
What are the things to be kept in mind while downloading the app: Keeping the bank details safe, not sharing the PIN, and not sharing OTPs are some of the things that the user needs to keep in mind.
9. PhonePe
Phone pe is a payment app that allows users to use their credit cards, debit cards, and UPI id to make payments for various services via cashless mode.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
The app has been downloaded 100 million + times and for that, it has amassed a 4.4 a tar rating from previous and present users.
The mobile-friendly app supports referral codes that you can share with friends in exchange for rewards. Phonepe is easily one of the most old UPI refer and earn apps.
Earning bonus points and commission: Users can get 150 rupees per referral for up to 5 referrals making it a total of 750 rupees.
How we can withdraw our money: From the PhonePe wallet, users can choose to withdraw the money into their account by simply going to the Withdrawl tab under the My Money option.
What are the things to be kept in mind while downloading the app: When downloading the app it is essential that you remind yourself to not share bank details and passwords with others.
10. Gamezy
Gamezy , On this long list of applications, this becomes the umpteenth Cricket fantasy application. One of the best app for refer and earn in terms of fantasy cricket
However, it a not just limited to that as you can also play rummy, ludo, and other games on this platform.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
The app has amassed more than 1 million users and they have given their thumbs up to the app which reflects in its 4.3-star rating.
Referring and earning works on this app just like it does on all the others on the list.
Earning bonus points and commission: Using a referral code can get the user more than 12,000 rupees.
How we can withdraw our money: A user need to go on the Withdraw cash page and enter their bank details and click on withdraw to get their money.
What are the things to be kept in mind while downloading the app: When downloading the app the user always needs to make sure to keep in-game progress and bank details away from others.
11. EarnKaro
EarnKaro is a deal-sharing app where people can share deals from various e-commerce platforms with other people. This is an affiliate marketing app.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
The mobile-friendly app has so far seen 1 million downloads and a 3.9-star rating. Sharing your profit link can get you benefits on and from the platform.
Earning bonus points and commission: On signing up you get a 25 rupees benefit. For each referral, you can get 10% of the amount for the lifetime that your friend makes. People can make up to 30,000 a month with this platform.
How we can withdraw our money: All you need to do is make sure that the account has a balance of more than 10 rupees, post that you can simply apply for withdrawal and the amount shall show up in your bank.
What are the things to be kept in mind while downloading the app: Bank details to be kept safe and secure.
12. ySense Survey
This app as the name suggests is a survey app, where you can survey various companies, complete tasks, refer and earn money.
The app has gotten satisfactory ratings from the users and has been downloaded more than a lakh time.
This mobile-friendly app pays you when you get your friend onboard via means of referral.
Earning bonus points and commission: The person gets referral income . When the referred person has made 5 dollars you get a bonus again and for every task completed via referral, their person gets a commission of 30%.
How we can withdraw our money: Once you reach the app's threshold amount for withdrawal, you need to click on the Cashout link to withdraw your money.
What are the things to be kept in mind while downloading the app: Not sharing an account, keeping your private data secure.
13. My11 Circle
My11 Circle is a fantasy cricket app, an online application or game that allows the users to create their team of players based on a real-life match, and the players can compete with others to win lots of prizes.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
The app has been downloaded more than 5 million times and has a more than average rating of 3.8 stars.
The app is mobile-friendly and referral code sharing can get you and your friends some extra benefits.
Earning bonus points and commission: For link referrals, one can get up to 551 rupees as a reward, apart from that a 1,500 rupees bonus can also be achieved.
How we can withdraw our money: By clicking the Withdraw cash option users can withdraw the money if they have a verified id and sufficient balance in their account.
What are the things to be kept in mind while downloading the app: Not to share accounts and bank details given to your account.
14. OneCode Referral Program
OneCode is an online cash earning app where the people using it can earn Paytm cash and that too without investing.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
The mobile-friendly app has been downloaded more than 1 million times and has a strong 4.1-star rating. Create a universal referral code and then you can start to refer and earn from the app.
Earning bonus points and commission: Signing up bonus for this app is 25 rupees and post that per successful referral you get 25 rupees.
How we can withdraw our money: The money keeps coming to your bank account at the designated time so there is no need to worry about withdrawals.
What are the things to be kept in mind while downloading the app: When downloading the application make sure you don't put up fake deals on the website or act with malicious intent.
15. Paytm First Games
Paytm First Games is an online gaming website where people can play fantasy cricket, rummy, and other such games.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
A very high rating and high user base are what define the popularity of his app. The app is mobile-friendly and for each referral, the app pays the user handsomely.
Earning bonus points and commission: For each successful referral the user gets rupees 10,000 and the new user gets rupees 100. The amount can increase as per the investment made by the new user.
How we can withdraw our money: Simply by opting for withdrawal the user will be shown options as to where they want the money and after choosing that and putting the amount the money will be deposited accordingly.
What are the things to be kept in mind while downloading the app: Bank details and account details need to be kept a secret.
16. Vision11
Yet another top fantasy cricket app is Vision 11 where people can challenge their friends and others and have a fun time.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
With more than a few thousand downloads the app is making some small but noticeable steps as it has also raked in a strong rating.
The app is mobile-friendly and you can share your link with friends to earn rewards.
Earning bonus points and commission: People can get 100 rupees on a successful review and 20 % winning cash for life from their friends' referral.
How we can withdraw our money: The withdrawal process is simple and the user can choose the options, click on the source where they want to receive money, and put in the amount and that should do it.
What are the things to be kept in mind while downloading the app: Keeping account data to oneself is very important, also make sure your bank details don't get leaked.
17. 11Challengers
Here we have yet another fantasy app, however, it is different from its competition because of the options of multiple sports apart from cricket.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
The app has more than 10 million downloads and a good rating to go with it. A referral code can be shared with friends and family to avail of bonus rewards.
Earning bonus points and commission: 50 rupees cash is deposited in your account on a referral, and you also get 20% for life on your friend's progress.
How we can withdraw our money: If you have a verified account then you can withdraw the amount by simply opting for withdrawal and choosing the option and amount.
What are the things to be kept in mind while downloading the app: App progress, app data, and bank data need to be kept a secret.
18. Samsung Referral
Samsung is a top electronics company in India and to get offers on its products one can use their referral scheme and get rewards in exchange.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
Since it is not a website or an app but a company's scheme all we can say is that the scheme has gotten a fan following and is popular among users.
By sharing your referral code with others you can get lots of prizes.
Earning bonus points and commission: People can get vouchers of thousands of rupees or discounts on buying certain products.
How we can withdraw our money: There is no subject and matter of withdrawal as per our knowledge. It is just a program and not an app or website like others on this list.
What are the things to be kept in mind while downloading the app: Make sure the code is not misused.
19. Dream11 Refer and Earn
Dream 11 is one of the top fantasy apps in India which allows you to create cricket teams based on real-life matches.
Friends and family members can play against each other and also with others around the country.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
The app has a user base of more than 10 crores, and the ratings for this app are near perfect. Share the referral code with friends and family to get added benefits.
Earning bonus points and commission: Players get a certain amount added to their account for each successful referral completed.
How we can withdraw our money: For verified Dream 11 users the person just needs to apply for withdrawal and they should get the amount in their account after putting in the necessary details.
What are the things to be kept in mind while downloading the app: Bank details and account progress are a few things that need to be kept private.
20. Fantasy Power 11
This is one of those fantasy cricket apps that are taking the market by storm. With round-the-year matches, you can now challenge friends, families, and other players for cricket match-based duels with your customized team.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
The mobile-friendly app has over 50,000
users and the fan votes show that the app also gets high ratings.
This app also gives away free in-app cash to users who are willing to refer the app to their friends.
Earning bonus points and commission: For successful referrals, users get 100 rupees and also a 20% contest commission for a lifetime.
How we can withdraw our money: Put the money limit and select the means of withdrawal in the withdrawal section and that's how you can get your money cashed out.
What are the things to be kept in mind while downloading the app: Never share your in-app data, or the bank details that you enter in the app with anyone else.
21. Royal11
The list of fantasy apps is ever-growing as we have another top Cricket fantasy app on the list of the refer and earn app list.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
The app as of now has more than 10,000 users, a figure that keeps growing as you read this very second. The app is mobile-friendly and has very high ratings.
A referral code even makes winning in-game cash possible.
Earning bonus points and commission: Signing up Bonus itself is 200 rupees l, post that referrals can get users up to 1500 rupees to give them a boost in their fantasy gaming.
How we can withdraw our money: If your account is verified only then can you go to the withdrawal section and withdraw your money that too with only the bank option available as of yet.
What are the things to be kept in mind while downloading the app: In-app data and personal bank details of the users always need to be kept a secret.
22. MyFab11
This is another Fantasy sports platform, however, what separates it from the clutter and competition is the fact.
That people can opt to play 9 fantasy sports on this app, some of them are Kabaddi, Basketball, Volleyball, and Hockey.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
This mobile-friendly app has a growing fanbase and the ratings received so far are more than positive. By the means of code sharing users of the app can get themselves nice rewards.
Earning bonus points and commission: Right on your joining you get 100 rupees, post that you also get a 25% share of profit from your friend's account if your referral goes successfully.
How we can withdraw our money: Once you have completed your KYC and verified your bank details all you have to do is apply for a withdrawal and complete a one-time process to get your cash in the bank or UPI app as per your wish.
What are the things to be kept in mind while downloading the app: Bank details, in-app progress, and card details that have been attached to the app are a few things that need not be shared with anyone.
23. Shopsy
After a long list of Fantasy gaming apps, we return to one of the top e-commerce giants that are concerned with selling phones, clothes, furniture, books, and much more right to your home.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
With more than 50 million downloads the application has established a strong base for itself and that is why it also has a 4.2-star rating.
When you use the refer and earn option on friends and family you also get to avail a lot of benefits.
Earning bonus points and commission: After a successful referral, the user stands a chance to cash 150 rupees via Flipkart.
How we can withdraw our money: Open Shopsy via Flipkart, and check the balance if it is within permissible limits then click on withdraw now, provide the necessary details and get your money withdrawn.
What are the things to be kept in mind while downloading the app: Use the correct bank details and don't share them with others. Make sure to remember passwords and account linking if any.
24. Times Prime
An app that helps you get benefits on your other purchases is this wonderful application's job. Travel, shopping, food, fashion, etc. to get offers for various such items all you need is this all-in-one app.
Telling about the ratings, reviews, apps are mobile friendly and how you can share and refer your friends:
With close to 10 lakh downloads and a near-perfect rating the app is slowly and steadily making a place for itself in the market.
By applying certain codes and giving referrals away people can hugely benefit from this app.
Earning bonus points and commission: If your referral is successful then you get 300 rupees off on your first purchase and the maximum benefit that can be availed via referrals is an eye-watering sum of 5,00,000 rupees.
How we can withdraw our money: As such the app does not have a withdrawal feature as per our knowledge because there is no need for such a feature in this kind of an app.
What are the things to be kept in mind while downloading the app: Account details like passwords and the bank details shared with the app always used to be kept a secret.
Conclusion
Now that you understand Affiliate marketing and know the best apps to refer to and earn on you can go on a downloading spree and referring spree so that your friends can avail yourself of the chance to go on an earning spree as well.
24 apps, 24 referrals, and 24 rewards, all of them await you. Therefore, if you are looking to make some money and enjoy some additional benefits, then be sure to install these premium applications listed above.
It is also imperative that you go through the terms and conditions of each independent application to learn more about the services being offered. Be sure to conduct a thorough research online to gain more knowledge about this topic. As there are various categories for refer and earn schemes such as food, shopping, demat, technology, fashion, health, grocery and much more to earn money.
I hope you liked our article on refer and earn apps , if you have any comments or suggestions do share them in the comments below.
frequently asked question
Q1. How to refer and earn?
Ans. It is very simple. People who have used PhonePe GooglePay, Paytm, or any other such app will know. All you have to do is refer your id or some kind of personal code given by the platform to your friends,
And once they use your reference to become a part of the entity, you are rewarded with a coupon or something of that kind.
Q2. Which app has the highest reference and earn?
Ans. When hundreds of apps run the same race it becomes difficult to pinpoint one top app as such. Each app has its tie-ups and rewards in place
And all of them either give you cashback or coupons as a reward so pretty much all of them rank similarly. It is better to go with an app that your bank supports.
Q3. How can I make money by Refer and Earn?
Ans. It again has to do with Affiliate marketing. You know the drill, bring a new customer, and get rewarded for it. So all you have to do is refer the app to a friend of yours
And when they use your reference, you or both of you end up getting the app's wallet cash which can be used to spend on purchases made through that app.
Q4. Which are the best refer and earn apps in 2022?
Ans. Here is the list for best refer and earn apps :
- Upstox
- Groww
- Amazon Pay
- Google Pay
- Gamezy
- Phone Pe
- Mobikwik
- 5Paisa
- Zerodha
- IIFL
