Refer And Earn Apps - Best Apps In 2025 | Without Kyc | Without Investment

Refer And Earn Apps :- As you all know that in 21^st century earning money from online applications can be easy task because there are too many applications are available on internet from which we can earn money very easily by completing there different different type of tasks. The apps we are discussed today are based on referrals. These days many apps are offer Rs 500 to Rs 2000 after a one successful referral complete. In this Article we guide you how to earn, which apps are real, which apps are really offer you money for refer, how you can earn. This method is one of the best option to earn money without investment.

If you are working professional, housewife or a student all can earn money easily by this refer and earn apps. It’s a best part time to earn more or earn a pocket money or free from home by borrow money you can also earn 500 Rs to 2000 Rs per day. You just need to do refer these apps to your colleague, friends or relatives and many more. People download or setup app by your referral the more you can earn money.

What Are Refer And Earn Apps And Their Types?

Refer And Earn Apps provide a lucrative opportunity to make money by promoting the app to others. Users receive a unique referral link that, when used by others to download the app and complete specific tasks – such as making a purchase or registering – earns a commission. These applications come in various forms, including cashback, gaming, rewards, and survey apps, each of which offers users different ways to earn rewards.

Category	Examples	How it works
Cashback Apps	EarnKaro, CashKaro	Refer friends and earn commission on their first purchase.
Gaming Apps	MPL, Zupee, BigCash	Refer friends to play games. Earn commission on sign-up.
Rewards Apps	Swagbucks, Taskbucks	Invite friends and earn rewards for completing tasks.
Survey Apps	Google Opinion Rewards	Refer friends. Earn rewards for successful referrals.
Online Shopping Apps	Amazon Pay, Flipkart	Refer friends to shop and earn rewards on their purchases.
Payment Apps	Paytm, PhonePe	Refer friends. Earn rewards for their first transaction.
Travel Apps	Uber, Ola	Refer friends. Earn rewards on their first ride.

Top 20 Refer and Earn Apps In India 2025

Refer and Earn Apps	Referral Commission
Upstox	Up to ₹1,200
5Paisa	₹300
Gromo	₹2,100
Paytm	₹100
Zerodha	10% commission + ₹300 points
Google Pay	₹201
PhonePe	₹100
CRED	Up to ₹1,000
Amazon Pay	₹25
IIFL Securities	₹500 gift voucher
Mobikwik	₹20
MPL	Up to ₹10,000
ySense	$2 + 20% Commission
Zupee	Up to ₹105
WinZO	₹50
BigCash	₹20
Roz Dhan	₹8
Pocket Money	Up to ₹160
Frizza	50,000 coins + ₹15
Cashboss	₹5

Upstox

Upstox is one of the best Refer And Earn Apps in India, providing users with a platform to trade in the stock market and invest in mutual funds and IPOs. Through its referral program, users can earn ₹500 to ₹1200 for each successful referral when the referred person opens an account on Upstox. These rewards may vary depending on the ongoing promotional offers. Additionally, new users who register through the referral link often get special benefits, such as free demat account opening, zero brokerage for a certain period or vouchers, making the process beneficial for both referrers and referees.

Upstox Referral Process

Log in to the Upstox app using your account credentials.
Click on the ‘Rewards’ option in the app.
Share your referral link via WhatsApp or other social media apps.
When someone uses your link to open an account on Upstox and completes their KYC, the reward will be credited to your wallet.

5Paisa

5paisa app is one of India’s leading platforms for trading, investing, and mutual funds. Apart from its primary services, it is also famous as one of the best refer and earn applications. Users can earn a referral credit of ₹300 for each successful referral when their friends download the app using their link, create an account, and complete their first trade. The referral credit earned can be used for trading fee discounts or redeemed as cashback. To validate the referral bonus, ensure that your friend completes their KYC process.

5Paisa Referral Process

Open the 5paisa app and go to the profile section.
Tap on the Refer and Earn option.
Share your referral code or link with your friends via social media or other platforms.
When your friend registers using your referral code and completes their first trade, the referral bonus will be credited to your wallet.

Gromo

Gromo App is a money-making platform that allows users to sell various financial products such as credit cards, loans, and savings accounts to earn commissions. It also offers an exceptional opportunity to earn through its referral program. By referring the app, users can earn up to ₹2100 per referral, provided the referred friend sells at least five financial products within 30 days of creating their account. Refer And Earn Apps may vary depending on the type of products sold and their fulfillment status. It is important to verify the referral terms and payment details on the app for the most up-to-date information.

Gromo Referral Process

Download the Gromo app and create an account.
Open the app and go to the home page.
Find the Refer & Earn option and click on it.
Share your referral code via WhatsApp or other social media platforms to invite friends.

Paytm

Paytm is one of the most popular digital payment platforms in India, offering a wide range of services including money transfer, bill payments, mobile recharge, DTH recharge, and shopping. Its referral program is one of the best, allowing users to earn up to ₹100 per referral. When someone downloads the Paytm app, creates an account, and completes their first transaction using your referral link, you earn ₹100.

Paytm Referral Process

Open the Paytm app and sign in to your account.
Click on the search bar and type “Refer and Win.”
Select the “Refer and Win” option from the results.
Share your referral link via WhatsApp, SMS, referral QR code, or other available methods.
When your friend signs up on Paytm and completes their first transaction, the referral amount will be automatically credited to your Paytm wallet.

Zerodha

Zerodha is a leading Indian stock brokerage platform that enables users to trade and invest in various financial products. The app has an exceptional referral program, which rewards users for inviting friends to join. When a friend signs up and creates an account on Zerodha using your referral link, you earn 10% of their brokerage fees as commission. These earnings can be withdrawn to your bank account or used for trading. Additionally, you get 300 reward points, which can be redeemed for exclusive benefits on the Zerodha platform.

Zerodha Referral Process

Open the Zerodha app.
Tap on the menu option (three lines).
Click on the “Refer and Earn” option.
Share your referral link via WhatsApp or other social media platforms.
When someone creates an account on Zerodha using your referral link, the commission will be credited to your wallet.

Google Pay

Google Pay is a widely popular digital wallet and online payment app in India. It is one of the top refer and earn applications. The referral program of the app is highly effective in expanding its user base. When a referred friend creates an account using your referral link, you receive ₹201 as real cashback, which is directly credited to your bank account. Additionally, when your referred friend completes his first transaction on the app, he gets ₹21.

Google Pay Referral Process

Open the Google Pay app and create an account.
Go to the home page of the app.
Look for the Refer and Earn option and click on it.
Copy your referral code and click on Invite.
Share your referral code through various social media platforms. You can choose any platform to refer the app to your friends.

Phonepe

PhonePe is a widely used digital payment platform in India, providing seamless online money transfer and bill payment services. It is also recognized as one of the top refer and earn applications. PhonePe offers a high-commission referral program where users can earn ₹100 for each successful referral. To qualify, your friend must create an account and complete a transaction using your referral link. The referral bonus is directly credited to your PhonePe wallet.

Phone Pay Referral Process

Open the PhonePe app on your mobile.
Tap on the “Refer and Earn” option.
Copy your unique referral link.
Share this link with your friends via WhatsApp, SMS or other platforms.

CRED

CRED is a credit card bill payment platform that allows users to pay their credit card and other utility bills while earning cashback, rewards, and gift cards. The app offers a great Refer & Earn program. When a friend downloads the app using your referral link and completes their first transaction through the app, you can earn up to ₹1000 as referral commission.

Cred Referral Process

Open the CRED app.
Go to the Explore CRED section and click on View All.
Choose the Refer & Earn option.
Tap Invite via WhatsApp to share your referral link.
When your friend downloads the app through your referral link and completes their first transaction, the referral commission will be credited to your wallet.

Amazon Pay

Amazon Pay is a secure digital payment app that enables users to make payments, pay bills, recharge TV and mobile, book gas cylinders, and handle hotel bookings, train and bus tickets. The app’s referral program allows users to earn up to ₹25 per referral, which gets added directly to their app wallet.

Amazon Pay Referral Process

Open the Amazon app.
Click on the Amazon Pay option.
In the search bar, type and search for “Invite and Earn”.
Click on the “Invite and Earn” option.
Share your referral code with your friends.

IIFL Securities

IIFL Securities is a full-service stockbroker that allows users to trade and open a free demat account. Its referral program allows users to earn ₹500 gift vouchers for each successful referral. A referral is considered successful when the referred friend downloads the app using the referral link and completes trades worth ₹1000 within 30 days. Please check the app for updated terms and conditions for use of referral rewards and gift vouchers.

IIFL Securities Referral Process

Open the IIFL Securities app.
Go to the Referral section.
Find your referral link in this section.
Share the link with your friends via WhatsApp or other platforms.

MobiKwik

MobiKwik is a digital wallet app that offers services like money transfer, mobile recharge, bill payments, shopping and investments. Signing up using someone else’s referral code earns ₹20 as a signup reward. Similarly, if someone creates an account using your referral code, completes KYC and makes a minimum transaction of ₹25, both parties get ₹20 each. Rewards are subject to terms and conditions, so be sure to check the app for updated policies and details.

MobiKwik Referral Process

Open the MobiKwik app and sign in.
Go to the home page and click on ‘All Services’.
Scroll down to find the ‘Offers For You’ section.
Click on ‘Refer & Earn’.
Tap on ‘Refer Now’ to share the app via WhatsApp or other platforms.

MPL

MPL is an online gaming platform where users can play games and win prizes worth crores of rupees. It is also known as one of the best refer and earn applications. By sharing the app with friends, users can earn up to ₹10,000 on every successful referral.

When a friend signs up on MPL using your referral, both of you get ₹5. Also, when your friend adds money to their wallet for the first time, both of you get 5% of the amount added, which is limited to ₹50. Also, whenever your referred friend plays a cash game on MPL, you earn up to 25% cashback or 10,000 MPL coins, and your friend gets 15% of their margin back as a reward.

MPL Referral Process

Open the MPL app and create your account.
Tap on the menu icon (three-line option).
Select the Refer and Earn option.
Share the app with your friends via WhatsApp or other platforms and start earning.

ySense

ySense is a famous app that allows users to earn money by completing tasks. Users can take part in surveys or complete tasks to earn money. The app also offers an excellent referral program to help users earn more.

When a referred friend signs up using your referral link, you earn between $0.10 to $0.30. Additionally, you get a $5 bonus when your friend earns their first $2. In addition, you earn a 20% commission on all the money your friend earns by completing surveys or playing games.

ySense Referral Process

First, open the ySense app and create an account.
Click on the three-line menu at the top of the screen.
Select the Affiliate option.
Click on the Affiliate Program option.
Copy your referral code and share it with your friends.

Zupee

Zupee is a gaming app where users can play a variety of games to earn money. It is also known as a refer and earn app, which allows users to earn ₹105 for each successful referral.

However, users do not get the entire amount at once. When a referred friend downloads the app using your referral link and enters your referral code, you earn ₹5, and your friend gets ₹10 for signing up. Next, when your friend deposits money into the app, you will earn 20% of the deposit until you deposit ₹100. It is important to ensure that your friend enters the referral code while signing up to receive the referral commission.

Zupee Referral Process

Download the Zupee app on your mobile and create an account.
Visit the home page of the app.
Click on the “Refer” option.
Refer the app via WhatsApp or any other social media platform.

WinZO

WinZO is one of the popular gaming apps in India that offers fun games like fantasy cricket, basketball, and ludo where users can earn money. The app also has a rewarding referral program that allows users to earn ₹50 on every successful referral by inviting friends to the WinZO app.

To receive the referral commission, friends must download the app using your referral link and play the games within the app.

Winzo Referral Process

First, download the WinZO app from the official website.
Open the WinZO app and create an account.
Click on the Refer option.
Then, click on Refer Now.
Share the app link on WhatsApp, which will generate your referral link.
Share this link with your friends or relatives.

Big Cash

Big Cash is a gaming platform where users can earn real money by playing games and participating in tournaments. It is considered one of the best refer and earn applications, as it allows users to earn money by referring others. For every successful referral, users earn ₹20 instantly. When a friend downloads and signs up the Big Cash app using your referral link, you get your referral bonus.

Big Cash Referral Process

Download the Big Cash app and sign in to it.
Visit the homepage and click on the Menu option.
Select Invite and Earn from the menu.
Click on Share on WhatsApp.
Share the app with your friends and relatives using the given link.

Roz Dhan

Roz Dhan is an Indian money-earning app where users can earn by signing up, playing games, watching videos, reading articles, sharing articles, and referring the app to others. The app offers a referral program where users earn ₹8 for every successful referral. Additionally, users earn extra money when a referred friend makes a payment using the app.

Roz Dhan Referral Process

First, download the Roz Dhan app from the Play Store.
Open the app and log in to your account.
Go to the home page and click on the “Me” option.
Click on the “Invite Friend” option.
Click on “Invite Now” to refer your friends to the Roz Dhan app.

Pocket Money

Pocket Money is an app where users can earn by completing daily tasks, playing games, and referring the app to others. By referring the app, users can earn up to ₹160 per day. When a referred friend downloads the app using your referral link and completes his first task, both parties earn ₹5. Also, when the friend earns ₹40, both parties will get ₹5 more. Note that a mobile number linked to Paytm is required to sign up for the app.

Pocket Money Referral Process

Download the Pocket Money app.
Open the app and sign up.
Go to the home page and click on the “Refer and Earn” option.
Share your referral code with your friends.

Frizza

Frizza is a money-making app where users can complete tasks and refer others to the app. When a referred friend creates an account on the app, the user gets 1000 coins and the friend gets 500 coins. When the friend completes his first task, the user will earn 50,000 coins and ₹15, while the friend will earn 20,000 coins and ₹5. Moreover, users can earn a lifetime commission of 10% on their friend’s earnings.

Frizza Referral Process

Open the app and create an account.
Go to the home page of the app.
Click on the Refer and Earn option.
Copy your referral code and share it with your friends.

CashBoss

CashBoss is an app where users can earn by referring others, playing quizzes, games, and spinning the wheel. When users share the app with friends and download it using the referral link and complete a task, they earn ₹5 per referral.

Cash Boss Referral Process

Open the CashBoss app and sign up.
Go to the home page of the app.
Click on the menu option (three lines).
Tap on Refer and Earn.
Share your referral code or refer directly via WhatsApp.

How to Choose the Best Refer and Earn App

When choosing a refer and earn app, consider these key factors to ensure the best experience and returns:

High referral bonus: The referral commission should be high enough to make the effort worthwhile.
Minimum referral threshold: The minimum threshold for withdrawing referral earnings should be low, making it easy to access your money.
Direct bank transfer: Make sure the app allows direct transfer of referral earnings to your bank account.
Simple referral process: The process should be straightforward, requiring minimal steps for the referred user to create an account or complete a transaction.
Reliability: Choose apps with positive reviews and a good reputation in the market.
User-friendly interface: The app should be easy to navigate, making referring and earning hassle-free.
Frequent promotions: Apps that offer extra bonuses or promotions for referrals can help boost your earnings.

Earning potential from refer and earn apps

Earnings from refer and earn apps vary depending on the difficulty of the task. Apps that offer higher commissions, such as Zerodha (with a 10% commission), usually require more effort, such as completing specific tasks or referring more people. Apps with lower commissions, such as Google Pay or PhonePe, have simpler referral processes but smaller rewards. Depending on the app, you can earn anywhere from ₹100 to ₹1,200 per referral. Investing more time and effort can lead to higher earnings, while simpler apps offer faster and easier processes.

Safety of using refer and earn apps

Many refer and earn apps, especially well-known ones like Paytm, Google Pay, and Zerodha, are safe to use. However, it is important to be cautious and do your research before using any app. Download apps from trusted sources like the Google Play Store or Apple App Store to avoid fraud. Be wary of apps that promise unusually high earnings with minimal effort, as these may be risky or unreliable.

Table of Contents