Hey there! Do you love earning money in your free time?
If yes, then you must have come across the term “refer and earn” programs. Referral programs have become quite popular in recent years, and many companies are offering rewards to their customers for referring their friends and family members.

But have you heard of refer and earn apps?
These are smartphone applications that allow you to earn rewards by referring your friends and family members to download and use the app. In this article, we will be discussing the top refer and earn apps that actually pay you money.
So, let’s dive in and discover how you can earn some extra cash by simply referring your loved ones to these apps!
How It Works
Once you have identified an app that offers a referral program, it’s time to learn how it works. Typically, the process involves the following steps:
- Sign up for the app: You need to download and install the app on your phone or computer. After installation, you will need to create an account with your personal details.
- Locate the referral program: Once you have created an account, look for the referral program within the app. Most apps have a designated “Refer and Earn” section in their menu, where you can find your referral code or referral link.
- Share your referral code or link: After you have located your referral code or link, it’s time to share it with your friends, family, or followers. You can share it via social media, email, text message, or any other way you prefer.
- Invite people to sign up: Encourage people to sign up using your referral code or link. Make sure to explain the benefits they will receive by signing up through your link.
- Earn rewards: Once someone signs up through your referral link and completes the required action, you will receive your reward. The reward could be in the form of cash, points, discounts, or other perks, depending on the app.
It’s important to note that the specific steps and requirements may vary from app to app. Be sure to read the terms and conditions of the referral program carefully to ensure that you understand the rules and eligibility criteria.
What are the apps
Are you looking for a way to earn some extra money? Well, refer and earn apps might just be the solution you need. These apps allow you to earn money simply by referring your friends and family to use the app. Here are 10 of the top refer and earn apps that actually pay you money:
Here are some of the top highest paying refer and earn apps you can use:
Google Pay:
Google Pay offers a referral program to its users to invite their friends and family to use the app. By referring someone to the app, users can earn up to INR 180 per referral. Once the referred person makes their first payment, both the referrer and the referred person get the reward.
PhonePe:
PhonePe offers a refer and earn program that allows users to earn up to INR 100 for every successful referral. When a referred person makes their first UPI transaction on the app, both the referrer and the referred person get the reward.
Amazon Pay:
Amazon Pay has a referral program where users can earn up to INR 200 per referral. Users can refer their friends and family to sign up for Amazon Pay and get a reward when the referred person makes their first transaction.
Freecharge:
Freecharge offers a refer and earn program where users can earn up to INR 30 per referral. Once the referred person signs up using the referral code and makes their first transaction, both the referrer and the referred person get the reward.
Mobikwik:
Mobikwik has a refer and earn program where users can earn up to INR 100 per referral. Users can refer their friends and family to sign up for Mobikwik and get a reward when the referred person makes their first transaction.
Paytm:
Paytm offers a refer and earn program where users can earn up to INR 1000 for every successful referral. Users can refer their friends and family to sign up for Paytm and get a reward when the referred person makes their first transaction.
CashKaro:
CashKaro is a cashback and coupons website that offers a refer and earn program. Users can earn up to 10% of their referral’s cashback earnings for life. Once the referred person earns cashback, the referrer gets a commission.
CRED:
CRED is a credit card payment platform that offers a referral program where users can earn up to INR 1000 for every successful referral. Once the referred person pays their credit card bill using CRED, both the referrer and the referred person get the reward.
Swiggy:
Swiggy is a food delivery app that offers a referral program where users can earn up to INR 100 for every successful referral. Once the referred person places their first order using Swiggy, both the referrer and the referred person get the reward.
Zomato:
Zomato is a food delivery and restaurant discovery app that offers a referral program where users can earn up to INR 200 for every successful referral. Once the referred person places their first order using Zomato, both the referrer and the referred person get the reward.
Commission structure that apps paying for referral programs.
App Name | Rewards | Minimum Payout | URL |
Google Pay | Up to Rs. 1,000 per referral | Rs. 1 | https://pay.google.com/intl/en_in/about/ |
PhonePe | Up to Rs. 200 per referral | Rs. 1 | https://www.phonepe.com/en/ |
Amazon Pay | Up to Rs. 200 per referral | Rs. 1 | https://www.amazon.in/gp/help/customer/display.html?nodeId=G5YY6DY94FBL8WJ6 |
Freecharge | Up to Rs. 30 per referral | Rs. 50 | https://www.freecharge.in/ |
Mobikwik | Up to Rs. 100 per referral | Rs. 50 | https://www.mobikwik.com/ |
Paytm | Up to Rs. 100 per referral | Rs. 1 | https://paytm.com/ |
CashKaro | Up to 10% commission on referrals’ cashback earnings | Rs. 250 | https://cashkaro.com/ |
CRED | Up to Rs. 1,000 per referral | Rs. 10 | https://cred.club/ |
Swiggy | Up to Rs. 150 per referral | Rs. 100 | https://www.swiggy.com/ |
Zomato | Up to Rs. 200 per referral | Rs. 25 | https://www.zomato.com/ |
Ludo Supreme | Up to Rs. 20 per referral | Rs. 10 | https://www.ludosupreme.com/ |
RummyCircle | Up to Rs. 5,000 per referral | N/A | https://www.rummycircle.com/ |
Dream11 | Up to Rs. 100 per referral | N/A | https://www.dream11.com/ |
MPL | Up to Rs. 75 per referral | N/A | https://www.mpl.live/ |
PayBox | Up to Rs. 5 per referral | Rs. 50 | https://pay-box.in/ |
4Fun | Up to Rs. 50 per referral | Rs. 5 | https://www.4funindia.com/ |
Roz Dhan | Up to Rs. 150 per referral | Rs. 200 | https://rozdhan.com/ |
Taskbucks | Up to Rs. 25 per referral | Rs. 30 | https://www.taskbucks.com/ |
TrueBalance | Up to Rs. 5 per referral | Rs. 10 | https://truebalance.io/ |
CashNGifts | Up to Rs. 15 per referral | Rs. 1 | https://www.cashngifts.in/ |
Pocket Money | Up to Rs. 160 per referral | Rs. 20 | https://www.pocketmoney.in/ |
BigCash | Up to Rs. 11 per referral | Rs. 50 | https://www.bigcash.live/ |
Zupee Gold | Up to Rs. 10 per referral | Rs. 10 | https://zupee.in/ |
Winzo Gold | Up to Rs. 27 per referral | Rs. 3 | https://www.winzogames.com/ |
FanFight | Up to Rs. 1,000 per referral | N/A | https://fanfight.com/ |
How to Refer – Step-by-step guide through the program.
Now that you know how referral programs work, let’s talk about how to actually refer your friends and earn rewards. Here are some general steps to follow when referring someone through a refer and earn app:
- Sign up for the app: First and foremost, you need to sign up for the refer and earn app. Download the app from the app store, create an account, and complete the registration process.
- Find your referral code: After signing up, you will usually find a unique referral code or link in the app. This code/link is what you need to share with your friends in order to refer them.
- Share your referral code: Share your referral code/link with your friends and family via social media, email, or messaging apps. Make sure to explain to them the benefits of signing up through your referral link and how it can be a win-win situation for both of you.
- Encourage them to sign up: Once you’ve shared your referral code/link, encourage your friends and family to sign up using it. You can explain to them the benefits of the app, how it works, and how they can earn rewards just like you.
- Monitor your rewards: Keep track of your referrals and monitor your rewards. You can usually find this information in the app or through email notifications. Make sure to follow up with your referrals to ensure they have signed up and met the requirements to earn rewards.
By following these steps, you can successfully refer your friends and family to a refer and earn app and earn rewards in return. Just make sure to read the terms and conditions of the app to ensure you are eligible to earn rewards and that your referrals meet the requirements.
Monthly Earning Possibilities
Now that you have an idea of the high paying referral apps, you might be wondering about the earning possibilities. While it may vary from person to person and depend on the number of referrals and the commission structure of the app, it’s still worth taking a look at the potential earning possibilities.
Assuming you refer 10 people per app per month, here’s an estimate of what you could earn:
- With the highest paying app, you could earn up to Rs. 30,000 per month.
- With the lowest paying app on the list, you could still earn up to Rs. 1,000 per month.
- If you refer 10 people per app for all 25 apps on the list, you could potentially earn up to Rs. 2,62,500 per month.
Of course, these are just estimates and your earnings could be higher or lower depending on various factors. However, it’s clear that referral programs can be a lucrative way to earn some extra money every month.
It’s important to note that while referral apps can be a great way to earn money, it’s not a get-rich-quick scheme. It takes effort to refer people, and not everyone you refer may end up using the app. But with consistency and persistence, you can increase your earning potential over time.
Overall, with the right approach and effort, referral apps can provide a great way to earn some extra money and reach your financial goals.
Smart and Tricky Ideas for Maximizing Earnings in Refer and Earn AppsTop of Form
Here are some smart and tricky ideas to earn more with refer and earn apps:
- Create a blog or YouTube channel: You can create a blog or a YouTube channel where you can share your referral links along with your experience of using these apps. This will not only help you earn more through referrals but also help you establish yourself as a trusted influencer in your niche.
- Social media promotion: You can leverage social media platforms like Facebook, Twitter, and Instagram to promote your referral links. Share your links with your followers, friends, and family and ask them to share it with their network.
- Join referral groups: You can join referral groups on social media platforms like Facebook and WhatsApp where people share their referral links. By joining these groups, you can share your links with a larger audience and increase your chances of earning more.
- Offer incentives to your referrals: You can offer incentives like cashback, discounts, or other rewards to people who sign up using your referral links. This will encourage more people to use your links and increase your earnings.
- Use multiple referral apps: You can use multiple referral apps to increase your earnings. Keep track of the apps that are paying you the most and focus on promoting those links more.
- Be strategic with your referrals: Instead of randomly sharing your referral links, be strategic with whom you share them. Target people who are more likely to use the app and earn rewards, such as frequent shoppers, travelers, or people who are looking for ways to save money.
By implementing these smart and tricky ideas, you can increase your earnings and make the most out of refer and earn apps.
Final Thoughts
In conclusion, refer and earn apps can be a great way to earn extra money by simply referring your friends and family to use these apps. With the right strategy, you can earn a significant amount of money each month.
By following the tips and tricks shared in this article, you can maximize your earning potential and make the most out of these referral programs. However, it’s important to always read the terms and conditions of each app before participating in their referral program.
With a little bit of effort and some smart and tricky ideas, you can start earning money today with refer and earn apps.
“Ready to start earning money with refer and earn apps? Which one will you try first?”