Top 30 Refer and Earn Apps Without Investment in India

Refer and earn apps have become increasingly popular, giving users the opportunity to receive fantastic rewards by inviting others. Popular platforms like Zupee, Swiggy, Ola, and Flipkart make it simple to share these rewards with friends and family. 

All you have to do is recommend them to friends and family. It’s like getting rewarded for sharing something you love! In this article, we’ll explore some of the best refer & earn apps.

Types of Refer and Earn Apps

There are broadly six types of refer and earn apps in India that can help you get amazing rewards. Let’s explore them below:

1. Gaming Apps

Gaming apps offer rewards for playing games and often include referral programs that allow you to earn bonuses by inviting friends. These rewards can include in-game currency, bonuses, or real cash prizes.

Examples of such refer and earn cash apps include Zupee, a gaming platform where you can use skills and strategy to play various real money games. One of its most popular offerings is the Ludo cash game, which takes the excitement of this classic childhood game to the next level.

2. Cashback Apps

Cashback apps reward you with a percentage of your purchase amount when you shop through their platform for clothes, order grocery or book hotel reservations. By referring friends, you can earn additional cash back bonuses when they make purchases. 

3. Online Shopping Apps

Online shopping apps often provide rewards for referring new users who make their first purchase. These rewards can be in the form of discounts, coupons, or points that can be redeemed for future purchases. Popular apps in this category include Amazon and Swiggy.

4. Payment Apps

Payment apps like PhonePe, Paytm, and Google Pay offer attractive referral bonuses when you invite new users to their platforms. Once these users complete their first transaction, you earn a bonus as a reward. This is a great way to earn some extra money while helping others discover convenient payment solutions.

5. Rewards Apps

Rewards apps give you points or other incentives for various activities, such as watching videos, completing tasks, or participating in offers. Referring friends to these apps can earn you additional points, which can be redeemed for gift cards or other rewards.

6. Survey Apps

Survey apps pay you for sharing your opinions on various topics through surveys. Additionally, by referring friends to join the platform, you can earn referral bonuses when they complete their surveys. This way, you not only make money by participating yourself but also boost your earnings by inviting others to share their views.

7. Food Delivery Apps

Food delivery apps allow users to order meals from local restaurants and have them                delivered to their doorstep. Many of these apps also offer refer and earn programs, where users can invite friends to join and earn rewards when their friends place an order. In India, popular apps like Swiggy and Zomato have such referral programs.

List of Best Refer and Earn Apps in India

Here, we have selected some of the best refer and earn apps in India. If you’ve ever wondered how to win money online, this refer and earn apps list is definitely worth checking out.

Refer & earn apps	Referral Rewards
Zupee	Refer & earn cashback up to 105
Swiggy	Refer & earn up to 50 per referral
Amazon Pay	Rewards up to Rs 25 per referral
Ola	Refer a friend & get a free ride coupon
PhonePe	Earn up to Rs 150
Paytm	Refer and Earn Rs 100
Nykka	Refer & Get Rs 10 cashback
Flipkart	Gift card worth Rs 100
Uber	Earn free rides
GooglePay	Refer and Earn Rs 81/referral
MakeMyTrip	Earn 20 MyCash per referral + extra incentives on first trip’s completion
Zerodha	Refer and Earn Rs 300/referral +10% of the brokerage your friend pay
Lenskart	Refer and Earn ₹50 LKCash+.
Upstox	Earn amazing rewards
Dream 11	Enjoy attractive incentives
Groww	Refer and Earn ₹25/referral
CRED	Refer and Earn up to ₹500/referral
RozDhan	Refer and Earn up to ₹1000/referral
CashBoss	Earn bonuses
My 11 Circle	Refer and Earn up to 500/referral
BigBasket	Earn ₹50/referral
Freecharge	Up to ₹5000 in cashback
BigCash	Cash reward of ₹50
IIFL Securities	Up to ₹500
EarnEasy	₹15 per referral
TaskBucks	Up to ₹63 in credits
Mobikwik	₹100 SuperCash
Meesho	25% commission
PharmEasy	PharmEasy Credits
ySense	30% recurring commission

Note: The data presented in the table might undergo modifications since platforms and applications may periodically enhance their functionalities and payment alternatives.

1. Zupee

Zupee is an online gaming platform offering skill-based games like Ludo, Snakes and Ladders and Trump Cards, all playable in under 10 minutes, with cash prizes up to 10 lakhs. For anyone searching for the best refer and earn app, Zupee’s referral program is a great option. Earn up to Rs 100 per referral, and your friends get rewarded, too.

Method of Referral:

• Open the Zupee app.
• Find your special referral code in the app’s ‘Refer & Earn’ section.
• Share this code with friends, family, and social media followers to encourage them to sign up.

Receive a referral bonus when they sign up and start playing skill games on Zupee.

2. Swiggy

Swiggy lets users earn rewards by inviting friends to join and place their first order on the food delivery platform. For each successful referral, you receive Rs. 50 cashback, which you can use to save money on your next order, and your friend gets Rs. 90 off their first order, along with free delivery.

Method of Referral:

• Open your Swiggy app and click on your profile icon in the top right corner.
• Select the “Refer & Earn Program.”
• Start inviting your friends by sharing the referral link.
• Your friends can claim the offer when they place their first order.
• Once they complete their first order, you receive cashback.

3. Amazon Pay

Amazon Pay is an online payment service by Amazon that enables customers to use their Amazon account for purchases on Amazon and third-party sites. As one of the best referral earning apps, Amazon Pay lets you invite friends and family to register and make their first transaction. You earn ₹25 cashback for each successful referral, and your friends receive welcome rewards worth ₹600, including shopping and bill payment benefits.

Method of Referral:

• Download and register on the Amazon App.
• Link your bank account to Amazon Pay.
• Go to the Amazon Pay section, select “Explore,” then “Invite and Earn.”
• Share your referral code by clicking on the invite link.

4. Ola

Ola’s referral program lets users earn ride credits by referring friends. When your friend signs up with your referral code and takes their first ride, you receive a free ride coupon. Your friend may also get a free ride coupon upon signing up for their first ride with Ola.

Method of Referral:

• Go to the Ola app menu and choose ‘Refer & Earn’ to get your referral code.
• On the “Invite Friends” screen, send your referral code and the unique Ola app download link through WhatsApp, Facebook, Messenger, Twitter, SMS, or Email.
• You can also give your referral code to friends directly, either over the phone or in person.
• Earn a free ride coupon when your friend takes their first ride with Ola.

5. PhonePe

PhonePe is a digital payments and financial services platform in India that allows users to make online transactions, mobile recharges, bill payments, and more through UPI. As one of the best refer-and-earn apps in India, PhonePe’s referral program encourages you to invite friends to sign up, complete their first UPI transaction, and earn cashback rewards.

Method of Referral:

• Open the PhonePe app.
• Click on “Refer & Earn.”
• Select the channel through which you want to send the invitation.
• Share the link with others.
• Once your referral signs up and completes the registration process, you will be eligible for cashback.

6. Paytm

Paytm Refer & Earn is a program where users can invite new or inactive users (those who haven’t used Paytm in the past 3 months) to start using the app. When a referee joins through the referral link and completes their first UPI transaction, the referrer gets Rs 100 cashback. The referee also receives guaranteed cashback after their first UPI transaction through Paytm.

Method of Referral:

• Open the Paytm app and navigate to the ‘Refer and Earn’ section at the bottom of the main screen.
• Choose ‘Refer via WhatsApp’ and send your unique referral link to your friends.
• Encourage your friends to use your referral link to sign up and make their first money transfer (minimum Rs 1) to any number using Paytm UPI within 7 days of registration.

7. Nykka

Another app that offers an excellent referral program is Nykaa Beauty, an e-commerce platform for beauty products. With Nykaa’s Refer and Earn program, both you and your friend can earn ₹10 cashback. This cashback can be conveniently applied to your next purchase, allowing you to save money while enjoying a wide range of beauty products.

Method of Referral:

• Pick items worth ₹250 or more and share them with your friends and family through WhatsApp, messages, Instagram, etc.
• When your friend makes a purchase using your link, you both get ₹10 cashback in your Nykaa Wallet instantly.

8. Flipkart

Flipkart, one of India’s leading e-commerce platforms, offers an Invite & Earn program that rewards users for inviting friends to shop on the site. Users can share their unique referral link, and when their friends sign up and make purchases, both the referrer and the referee receive discounts.

Method of Referral:

1. Open your Flipkart app and locate the ‘Invite & Earn’ option.
2. Share your referral code with a friend.
3. Have your friend install the app and enter your code.
4. Once your friend makes their first purchase of Rs 500 or more in a single transaction without canceling or returning it, both you and your friend will receive Rs 100 off on an order of Rs 1000 after the successful completion of the purchase.

9. Uber

Uber, the popular ride-hailing service, offers a refer and earn program in India. Users can invite friends to join Uber using their referral code, and when the referred friend takes their first ride, the referrer and the referee receive rewards such as ride credits or discounts on future rides.

Method of Referral:

• In the Uber app menu, find the ‘Refer & Earn’ option.
• Copy your referral code.
• Click on ‘Invite Friends’ to share the code.

10. Google Pay

Google Pay, a widely used digital payment app in India, offers a referral program that allows users to invite friends to join and transact using the app. When a friend signs up through the referral link and completes a qualifying UPI transaction, both the referrer and the referee earn cashback or rewards.

Method of Referral:

• Open your Google Pay app and scroll down to the ‘Offers & Rewards’ section.
• Click on ‘Referrals.’
• Find your referral code under your name and copy it.
• Click on ‘Share’ to send it to your friends and acquaintances.

Learn How to Make Money On Google in 2024.

11. MakeMyTrip

MakeMyTrip, a popular online travel booking platform, offers a refer-and-earn program that rewards users for referring friends to book flights, hotels, or other travel services. When a friend signs up and completes a transaction, the referrer gets 20 MyCash, and the friend gets 50 MyCash. Additionally, once the friend completes a trip, the referrer receives an extra 200 MyCash and coupons worth Rs. 5,500.

Method of Referral:

• Open your MakeMyTrip app and navigate to the left side menu to find the ‘Refer & Earn’ option.
• Click on “SEE WHO’S NOT ON MAKEMYTRIP” to view potential referrals.
• Copy your referral code displayed below and use the share button to send it to your friends and family.’

12. Zerodha

Zerodha, a leading online stock trading platform, is one of the top refer and earn apps in the country. With its referral program, you can earn 10% of the brokerage your friends pay and receive 300 reward points for each successful referral.

Method of Referral:

• Open your Kite app.
• Tap on your Client ID.
• Tap on ‘Invite Friends.’
• Tap on ‘Share.’

13. Lenskart

Lenskart, a popular optical prescription eyewear retailer in India, is among the top refer and earn apps without KYC. With their Connect & Earn program, you can invite your friends to shop at Lenskart. Once your friend makes their first successful purchase, both of you will receive ₹50 LKCash+.

Method of Referral:

• Open your Lenskart app.
• Navigate to the ‘Connect & Earn’ section.
• Copy your referral code.
• Share it with your friends.

14. Upstox

Upstox’s Refer & Earn program that rewards you for each friend who opens a Demat account and starts trading. Friends enjoy zero account maintenance charges, ₹0 commission on mutual funds and IPOs, and ₹20 per order brokerage on equity, F&O, currency, and commodity trades.

Method of Referral:

• Log in to the Upstox app with your 6-digit PIN or Biometrics.
• Select the ‘Account’ tab at the bottom of the screen.
• Tap on ‘Share link via WhatsApp.’ A pop-up will appear, allowing you to invite friends through WhatsApp. You can also share the link using other social apps.

15. Dream 11

If you’re searching for the highest refer and earn app, Dream 11 is an excellent choice. As one of the most popular online earning websites, Dream 11 offers a compelling referral program with attractive rewards.

Method of Referral:

• Log in to your Dream11 app.
• Click on your profile icon at the top left corner.
• In the drop-down menu, select the ‘Refer & Earn’ option.
• Tap the ‘Invite Now’ button and share your referral link with your friends.

16. Groww

Groww’s Refer and Earn program is a simple way to make extra money by sharing the popular investment platform with your friends. It offers attractive rewards, and there’s no limit to the number of people you can refer. Earn ₹25 for each friend who signs up and completes their KYC process.

Method of Referral:

• Open your Groww app and go to the ‘Refer & Earn’ section.
• Share your referral link with friends, family, or anyone interested in investing.
• Ask your friend to complete the entire account opening process to claim their reward.
• Once they activate their account, the cash reward will be added to both their balance and yours. Make sure your stock account is also activated to receive the reward.

17. CRED

CRED’s referral program gives you the opportunity to earn extra cash by introducing your friends to a platform that assists them in managing their credit cards and earning rewards. As the best referral earning app, CRED offers up to ₹500 cashback for each referral, depending on your membership level.

Method of Referral:

• Open your CRED app and tap on the Rewards section.
• Scroll down to find the “Refer Now” button.
• Click on “Share Invite” to send the referral link to your friends.

18. RozDhan

Next on our refer and earn apps list is RozDhan, a popular application that offers individuals the chance to earn cashbacks by engaging in various activities, including referring friends. Through referrals, users can earn up to Rs. 1000, which can be easily withdrawn via Paytm.

Method of Referral:

• Open the RozDhan app on your phone.
• Click on the ‘Login to Earn’ option.
• Obtain your referral link and share it with others. Once they download the app and complete the tasks, you will receive the cash in your account.

19. CashBoss

For anyone looking for the best app for refer and earn, CashBoss is worth checking out. Users can refer their friends to use the app, complete tasks and surveys. In return, both you and your friends enjoy incentives like free phone recharge and bonuses.

Method of Referral:

• Open the CashBoss app.
• Select the “Refer to Earn” option.
• Share the provided code with others.
• You will get paid once your referrals download the CashBoss app using your link.

20. My 11 Circle

My 11 Circle’s referral program allows you to invite friends to play UPI withdrawal games and win rewards. For every successful referral, you can earn up to 500 rupees.

Method of Referral:

• Launch the My 11 Circle app.
• Tap on the “Refer & Earn” option at the bottom of the screen.
• Invite your friends through WhatsApp, free SMS, or email.

21. BigBasket

BigBasket’s refer and earn program is a great way to save on groceries using a refer earning app. By referring friends, you both get rewards when they make their first purchase. 

When they sign up using your referral code and complete their first order, both you and your friend receive a referral bonus of ₹50 each. This refer earning app is an easy way to earn discounts while helping others enjoy BigBasket’s services.

Method of Referral:

• Open the app and navigate to the “Refer & Earn” page to share your coupon code or referral link with a friend.
• Your friend must use the coupon code while registering and then subscribe to the service.
• After registration, they need to recharge their BBdaily wallet and place a subscription order.
• Once the first subscription order is successfully delivered, both you and your friend will receive ₹50, credited after 3 pm on the delivery day.
• A notification will be sent to both of you once the wallet is credited.

22. Freecharge

Freecharge is a popular digital wallet and payment app that offers a quick and easy way to pay bills, recharge mobiles, and shop online. With the refer and earn program, you can invite friends to join Freecharge and earn up to ₹5000 in cashback when they complete their first transaction.

Method of Referral:

• Log in or create your FreeCharge account on your Android device.
• Click on the “Refer N Earn” spotlight on the app.
• Refer your friends to FreeCharge by sharing your unique promo code via WhatsApp, Facebook, or other social media platforms.
• Your friends need to sign up using the shared promo code to be eligible for the referral bonus.
• Once your friend completes their first transaction, both you and your friend receive the referral cashback.

23. BigCash

Big Cash is one of the popular instant refer and earn apps that lets you play a variety of money earning games without investment. By referring friends to the app, you can earn instant bonuses when they sign up and start playing. It’s a simple way to boost your earnings while enjoying fun games and challenges.

Method of Referral:

• Open the BigCash app and log in to your account.
• Click on the three-dot menu located at the top left corner of the screen.
• Navigate to the “Invite and Earn” section.
• Tap the share button to send the app link to your friends through WhatsApp, Facebook, Twitter, or any other platform.
• When your friend downloads the app using your link, registers, and makes their first deposit, you will receive a cash reward of ₹50.

24. IIFL Securities 

IIFL Securities is a leading full-service stockbroking firm in India, offering a wide range of financial services such as equity and commodity trading, portfolio management, mutual funds, insurance, fixed deposits, and IPOs for both retail and institutional clients. As one of the top referral earning apps in India, IIFL Securities allows users to earn up to ₹500 by referring the app to their network and getting new signups onboard.

Method of Referral:

• Install the IIFL Markets app.
• Log in using your mobile number and credentials.
• Head to the “Refer & Earn” section.
• Enter your registered mobile number to generate your unique referral link, then share it with your contacts.

25. EarnEasy

EarnEasy is one of the best refer and earn apps in India, allowing users to make money by downloading and using third-party apps. New users receive a ₹50 signup bonus. 

Simply refer EarnEasy to your friends and family through WhatsApp, Facebook, Instagram, Telegram, or other social platforms to start earning. You get ₹10 for every successful referral and an extra ₹5 when the referred user completes specific tasks, totaling ₹15 per referral.

Method of Referral:

• Open the EarnEasy app.
• Click on the “Refer & Earn” button.
• Share your unique referral code with friends.
• Use the social icons to easily share the code on different platforms.

26. TaskBucks

TaskBucks is a popular and trusted option among refer & earn apps, offering various ways to make extra cash.

You can earn money by answering questions, downloading new apps and games, completing simple tasks, or referring friends. Users can earn up to ₹63 in credits daily for successful referrals, plus additional coins for installing apps. These credits can be used to play games, with winnings redeemable through the Paytm wallet.

Method of Referral:

• Open the app and navigate to the “Invite” section.
• Tap “Invite” to generate your referral link.
• Share the link with friends and family.
• When someone downloads TaskBucks using your link, you receive a reward.

27. MobiKwik

MobiKwik is one of the top refer and earn apps, allowing users to invest in digital gold, stocks, and mutual funds, as well as manage bank transfers and bill payments. Through its referral program, you can share your unique code with friends, and when they sign up and add ₹50 to their wallet, both of you receive ₹100 SuperCash. The program lets you earn up to ₹5,000 SuperCash in total.

Method of Referral:

• Tap on the “Refer & Earn” card in the app.
• Share the referral link through WhatsApp or any other platform.

28. Meesho

Meesho is the best app for refer and earn in India, providing a simple way to make money by reselling products and inviting friends. It streamlines the process of drop shipping, allowing you to sell a variety of goods effortlessly. Share your referral link, and you can earn a 25% commission on your friend’s first three orders when they join and shop using the app.

Method of Referral:

• Open the Meesho app.
• Go to the Menu and select “Refer and Earn.”
• Click on “Refer a Friend” and share the link with your contacts.

29. PharmEasy

PharmEasy is a leading refer and earn cash app in India, focused on providing easy access to healthcare services and medicine delivery. With a mission to make healthcare affordable and accessible, they offer a range of services, including delivering genuine medicines and providing diagnostic tests right to your doorstep.

Method of Referral:

• Sign up for a PharmEasy account.
• Generate your unique referral link.
• Share this link with friends and family.
• When someone signs up using your link, you earn PharmEasy Credits as a referral reward.

30. ySense

ySense is a popular online rewards platform that allows users to earn money by completing surveys, offers, and simple tasks. One of the most attractive features of ySense is its refer and earn program, which provides users with a 30% recurring commission. This means that every time your referrals earn money on the platform, you receive 30% of their earnings as a bonus.

Method of Referral:

• Sign in to your ySense.com account.
• On the main dashboard, locate your unique referral link.
• Share this link with others to start inviting potential referrals.

How do Refer and Earn Apps Work?

An effective referral marketing system leverages word-of-mouth advertising to promote products or services. This technique works because people are more likely to purchase based on a friend’s or acquaintance’s recommendation. 

Some of the best money earning apps have referral programs that incentivize current customers to refer their friends, family, or acquaintances to the business. These programs usually offer rewards or incentives to both the referrer and the referred person.

The process typically involves the following steps:

• A customer signs up in the refer and earn app and receives a unique referral link or code.
• The customer shares the referral link or code with friends, family, or acquaintances through email, social media, or other platforms.
• A referred person uses the unique link or code to sign up for the business’ services or products.
• The referrer receives a reward or incentive for referring the new customer.
• The referred person also receives a reward or incentive for signing up through the referral link or code.

Benefits of Refer & Earn Apps

Now that you know how referral programs work and the different types available, let’s explore some key features and benefits of the best refer and earn apps without KYC, as well as those with KYC.

Easy Way to Earn Rewards

Refer-and-earn programs provide a simple and straightforward way to earn rewards. Users can quickly get bonuses, cashback, or other valuable incentives when their referrals use the refer-and-earn cash app or buy something.

Variety of Rewards Options

Refer-and-earn apps in India often offer a wide range of rewards, including in-game currency, discounts, gift cards, and real cash prizes. This variety ensures that users can choose the rewards that best suit their preferences and needs.

Zero Investment Needed

Participating in these programs typically requires no financial investment. Users can start earning rewards without spending any money, making it an attractive option for those looking for some extra cash without any risk.

Easy Sharing and Referral Process

No Limit on the Number of Referrals

Unlike some referral programs that restricRefer & earn apps typically feature intuitive and easy-to-navigate interfaces, with clear instructions and easily accessible referral links or codes. This user-friendly design ensures a smooth and hassle-free experience, encouraging users to refer more people and maximize their rewards.t the number of referrals, the best refer & earn apps do not set a limit.

This means that users can refer to as many people as they want, allowing them to win many rewards. The absence of referral limits enhances the potential for earning and motivates users to engage in the program actively.

Flexibility

Users can participate in multiple refer-and-earn programs simultaneously, diversify their sources of rewards and benefit from a broader range of incentives.

How to Choose the Best Referral Earning App

• Check Reward Structure: Look for apps that offer lucrative and recurring rewards for each successful referral.
• Ease of Use: Select apps that provide a simple referral process, with easy sharing options across platforms.
• Credibility: Opt for well-known and trusted apps to ensure you receive genuine rewards.
• Payout Options: Choose apps that offer flexible and convenient payout methods, like bank transfers, gift cards, or wallet credits.
• Referral Conditions: Read the terms and conditions to understand the requirements for earning and withdrawing rewards.

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Best Refer and Earn Apps Without Investment – FAQs