🤑 Top 10 Refer and Earn Applications in India (2025)
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Looking to earn money online from home without any investment? Refer and earn apps are one of the easiest ways to generate income just by inviting your friends and family to try out services you already love.
- These apps give you rewards, cashbacks, or bonuses when someone signs up using your unique referral code. In this post, we’ve listed the Top 10 Best Refer and Earn Apps in India that are 100% real and available on the Play Store and App Store.
🧠 What is a Refer and Earn App?
Refer and Earn apps are platforms that let you earn money by referring others to use the app. You usually get a unique referral link or code, and when someone signs up through it and meets the criteria (like completing KYC or making a transaction), you get paid.
📊 Comparison Table of Best Refer and Earn Apps
App Name Referral Bonus Extra Bonus Withdrawal Options Play Store Rating CRED 10 Cred Coins Redeemable in gift cards Amazon, Flipkart, Uber 4.5 Upstox ₹200 per referral – Bank/UPI 4.3 Amazon Pay ₹75–₹125 per user After KYC Amazon Balance 4.6 Paytm Instant Wallet Bonus – Paytm Wallet 4.4 ySense Up to 30% commission $2 Signup Bonus PayPal/UPI 4.2 Taskbucks ₹25 per referral Quiz & survey income Paytm Wallet 4.3 Groww ₹100 per referral Direct bank deposit Bank Transfer 4.4 CoinSwitch Kuber ₹50 Signup + ₹50 Referral Crypto trading rewards Wallet/Bank 4.0 CashKaro ₹1000/month potential 10% Cashback Bank/UPI 4.5 Pocket Money Up to ₹160 daily Free Recharge Paytm Wallet 4.1
1. 🧾 CRED
Earn 10 Cred coins per referral, redeemable for Flipkart, Uber, or Amazon gift vouchers.
Features:
- Credit card payment rewards
- Referral coins redeemable for real value
- Simple user interface
🖼️ Image Prompt: A smartphone displaying Cred rewards and referral screen with gift cards (Amazon/Flipkart/Uber) in background.
2. 📈 Upstox
A stock trading app that gives ₹200 per successful referral after KYC.
Features:
- High referral payout
- Trusted by millions
- Easy account setup
🖼️ Image Prompt: Mobile phone showing Upstox dashboard with ₹200 referral bonus notification.
3. 🛒 Amazon Pay
Get ₹75 to ₹125 per referral once your friend completes KYC and first transaction.
Features:
- Trusted Amazon ecosystem
- Easy wallet usage
- Transaction-based bonus
🖼️ Image Prompt: Amazon Pay screen with referral bonus wallet balance visible.
4. 💸 Paytm
Refer and earn cash instantly in your Paytm Wallet.
Features:
- UPI, recharge, bill payments
- High user trust in India
- Instant bonus payout
🖼️ Image Prompt: Paytm app with referral tab open showing bonus received.
5. 📊 ySense
Earn by completing surveys and referring others – up to 30% affiliate commission.
Features:
- Global earning platform
- Multiple payment methods
- $2 Signup bonus
🖼️ Image Prompt: ySense dashboard showing active surveys and referral earnings in dollars.
6. 🧠 Taskbucks
Get paid to install apps, complete quizzes, and refer friends (₹25 per referral).
Features:
- Trusted since 2015
- Easy tasks and surveys
- Instant Paytm withdrawal
🖼️ Image Prompt: Taskbucks interface showing quiz and referral bonuses.
7. 💹 Groww
Refer your friends and earn ₹100 directly deposited into your bank.
Features:
- Mutual fund and stock investing
- Simple interface
- No withdrawal limit
🖼️ Image Prompt: Groww app dashboard with bank deposit notification and referral icon.
8. 🪙 CoinSwitch Kuber
Earn ₹50 signup + ₹50 per referral in India’s top crypto platform.
Features:
- Trade Bitcoin, Ethereum, etc.
- Easy KYC process
- Referral + crypto rewards
🖼️ Image Prompt: CoinSwitch app with Bitcoin/Ethereum logo and ₹50 referral bonus highlighted.
9. 🛍️ CashKaro
Earn cashback for referrals and shopping – up to ₹1000 per month.
Features:
- Affiliate cashback site
- 10% on referred user cashback
- Wide brand partnerships
🖼️ Image Prompt: CashKaro interface with referral earnings and shopping cashback offers.
10. 💰 Pocket Money
Earn ₹160/day from referrals and tasks like downloading apps and quizzes.
Features:
- Daily earnings possible
- Instant Paytm cash
- Fun and simple layout
🖼️ Image Prompt: Pocket Money app showing daily referral bonus and recharge screen.
🔁 Bonus: Helo App
Earn Paytm cash by referring users and doing simple tasks.
Features:
- One of the highest paying apps
- Supports instant withdrawal
- Great for social media lovers
🖼️ Image Prompt: Helo app showing wallet balance and referral code page.
🏁 Conclusion
Refer and Earn apps in India offer one of the most legit, zero-investment ways to make money online. With just your smartphone and a little effort, you can earn cash daily!
🙋 FAQs
Q. Which refer and earn app gives the highest bonus?
Apps like Upstox, Groww, and CashKaro offer the highest referral payouts.
Q. Is refer and earn real or fake?
100% real, as long as you use trusted apps like the ones listed above.
Q. Can I withdraw referral money?
Yes, via UPI, Paytm Wallet, or Bank Transfer depending on the app.