Best Refer and Earn Apps in India 2022

If you will download these apps and start inviting friends then you will earn a lot of Paytm Cashback and real cash in your Bank Account.

Note : All these Demate accounts are 100% genuine and Government approved!

Refer and Earn Money Apps

Apps & Websites	Referral Cashback Rewards	Download App
1. Paytm Money	₹300	Download Paytm Money
2. Upstox	₹600	Download Upstox
3. Groww	₹300	Download Groww
4. ySense Survey	Upto 30% Commission	Join ySense Survey
5. PhonePe	₹150	Download PhonePe
6. Paytm	₹100	Download Paytm
8. Google Pay	₹150	Download Google Pay
9. MobiKwik	₹75	Download MobiKwik
10. Amazon Pay	₹75	Download Amazon Pay
11. Meesho	₹1000	Download Meesho
12. EarnKaro	10% for lifetime	Download EarnKaro
13. Cashkaro	10% for lifetime	Download Cashkaro
14. One Code	10% for lifetime	Download One Code
15. Bank Sathi	₹450, 10% for lifetime	Download Bank Sathi
16. Angel One	₹750	Download Angel One

1. Paytm Money

Download Paytm Money

It is an online discount broker with a simple pricing model. If you are a beginner and want to start your journey in the share market then I feel Paytm Money will be one of the best options for you. It offers a fixed brokerage plan to its customers. Paytm Money claims that they provide a low-cost trading option and their trading charges are low compared to others.

Users can open a Demat account on the Paytm Money app with their basic details like PAN Card number, Aadhar Number, a Mobile number linked with Aadhar etc. In this app, you can buy stocks, mutual funds and gold. Any user can log in to the Paytm Money app with their Paytm number or can sign up if they don’t have a Paytm account yet.

Paytm Money claims that users can upload their documents and within 24 hours their Demat account will be opened. You can set the price alerts and create multiple watchlists to track real-time price changes up to 50 stocks. For the first time you have to add ₹50 funds into your account then you are ready to invest your money in stocks, equity or NPS.

Paytm Money Refer and Earn ₹300

A few weeks ago, a referral offer was not available in the Paytm Money app. But recently they have added this feature too. If you refer a friend then you will get up to ₹300 in your trading balance. Also, the person who will download the app through your link will also get a ₹100 in their trading balance. This cashback will be credited to your trading balance within 48 hours. If your friends do not complete their equity onboarding and first trading then both of you will get nothing. This referral offer is only for those people who have a Demat account.

• First of all, download the Paytm Money app.
• Register on this app.
• Complete your registration.
• Add funds and complete your first trading in the Paytm Money app.
• Now tap on the Refer and Earn option.
• Share your referral link with your friends.
• Earn up to ₹300 in your trading balance.

Terms and Conditions

• Paytm Money referral offer is only valid for those users who have a Demat account in this app.
• If your referred friend does not complete their Demat account and trades for the first time then both of you will get nothing.
• Cashback will be credited to your trading balance within 48 hours.
• You will receive a scratch card only after the successful registration of your referred friends.
• You will receive up to ₹300 by scratching the scratch card.

2. Upstox

Open Upstox Account

If you are a regular viewer of some famous YouTube Vloggers then you may have seen the Upstox ad in their video. It is a mutual fund app. In this app, we can invest our money in stocks, mutual funds and digital gold.

We can earn money from this app by referring our friends and family members. If you share the Upstox Referral Code and referral link then you will get ₹600 in your wallet. You can withdraw this balance to your bank account whenever you want.

As per Upstox Refer and Earn offer terms and conditions, you will get your referral amount to your account when your friend’s account is opened successfully. They need to submit correct details successfully to have a Upstox Demat and trading account.

Upstox Refer and Earn

• First of all, download the Upstox App.
• Create an account by uploading correct details.
• After creating your Upstox Demat and trading account.
• Tap on the profile icon.
• Choose the ‘Refer and Earn’ tab.
• Share your Upstox referral link on WhatsApp or SMS.
• Once your referred friends completes their profile, you will get ₹300 in your Upstox account.
• If they invest some money then you will get ₹300 more from them.
• You can check your referrals and earnings on the ‘Your Earnings & Referrals’ tab.

Please remember Upstox changes its refer and earn an offer from time to time. So to earn ₹600 Upstox referral balance into your Bank try to share referral links fast.

How To Withdraw Upstox Referral Money

Please remember to withdraw your Upstox referral money, you must be an active Upstox user. You have to trade for the first time to active your Upstox account. Otherwise, you can not withdraw your referral reward from your Upstox wallet to Bank. Firstly, I have invested ₹500 in stocks and then after two days I took 2-3 times withdrawals and the money was successfully credited to my bank account within 2 days.

• First of all, open the Upstox app.
• Tap on profile icon.
• Go to ‘Refer and Earn’.
• Check your ‘Total Cash Earned’ and ‘Withdrawable’.
• Then tap on ‘Take Out’.
• Select the ‘Got it’ option.
• Enter amount and then confirm it.
• The referral money will be credited to your bank accout within 3 working days.

3. ySense Survey

Join ySense Survey

If you want to earn money by completing online surveys along with inviting friends then ySense will be the best option for you. It comes with a great referral program for all users. If you have some friends who want to earn money online by completing online surveys then you can recommend ySense and earn up to 30% ySense affiliate commission.

Your referred friends can complete paid surveys, cash offers to earn money from ySense. And if they earn some you will get a 20% commission from them. If you work genuinely and if you get good results then they will increase your commission up to 30% for a referral. I feel the ySense survey is also the best refer and earn website for all users. Simply join the ySense Survey affiliate program and withdraw your earnings in PayPal or via Amazon Gift Cards.

After your referred friend’s signup, you will get $0.10 to $0.30 from selected countries. Once your invited friend’s earn their first $5.00 (excluding commissions and bonuses) you will also earn an extra $2.00 bonus.

4. Amazon Pay UPI

Amazon Pay Referral Link

In this new year 2022, Amazon has relaunched their existing refer and earn offer. Now if you refer a friend on Amazon Pay, then you will get a ₹75 cashback into your Amazon Pay Balance. Also, the person who will join through your link will get up to ₹125 rewards.

But please remember if your referred friend already has an existing Amazon UPI account or if they don’t complete their first UPI transaction successfully then you won’t get anything. They need to complete their first UPI transaction as Scan & Pay or Send Money.You will find the Amazon refer and earn a link on the updated Amazon Pay app. Simply tap on the explore tab on the Amazon Pay section. Here you will find out the Invite and Earn option.

5.Google Pay

Download Google Pay

We can transfer money in various ways. UPI is one of the best money transfer ways in India. We can easily transfer our money from one bank account to another. Google Pay is one of the most loved UPI money transfer apps in India.

The reason why most of us prefer to transfer money through Google Pay is we have a chance to earn a scratch card for every transaction of ₹150 or more.

Google Pay has a refer and earn scheme too. This is an evergreen offer from Google Pay or Tez. But it changes its terms and conditions from time to time. Some of the time you will get ₹201 or sometimes you will get ₹180 or ₹150 for a referral. All your earned cashback through Google Pay will be deposited to your primary bank account linked with UPI. Recently Google Pay has changed its referral policy. Now you will get ₹150 or sometimes ₹21 for a new referral and the person who will join through your link will also get ₹21 cash in their bank.

Google Pay Refer and Earn Offer

• First of all, download the Google Pay App.
• Register and link your Bank account.
• Now tap on the profile icon.
• Again click on the ‘Invite friends, get rewards’ option.
• Copy your Google Pay referral code and tap on ‘Share’.
• Share your Google Pay Refer and Earn link on WhatsApp and other social media platforms.
• Once they register through your link and make their first UPI payment you will get ₹150 cashback in Bank. At the same time, they will get ₹21 in their bank account too.

6. PhonePe

Download PhonePe

Apart from Google Pay, PhonePe is another most used UPI app in India. In this app, you can make a lot of different kinds of online payments. From Bank transfers to investment, gold purchases or in-app purchases, everything is possible through the PhonePe App.

PhonePe comes with a referral offer from the beginning days. If you refer your friends to join and make UPI payments through PhonePe, you will get cashback.

You will receive ₹125 in your PhonePe wallet for a successful referral. After that, you can easily transfer your PhonePe wallet balance to your Bank account within a few minutes.

PhonePe Refer and Earn Offer

• First of all, download the PhonePe App.
• Register and link your Bank account.
• Now tap on ‘Refer & Earn ₹125’.
• Tap on any social media icon and share your invite link.
• Once your referred friend joins through your link and makes their first UPI payment, you will receive a ₹125 cashback in your PhonePe wallet.

7. Paytm

Download Paytm

I don’t need to introduce you to this app. You all know a little bit about Paytm. There are very few things that we can do online with Paytm App.

From recharge, and bill payment to shopping, investment, games, digital gold, money transfer and a lot of things we can do from the Paytm App. Paytm has its own Payment Bank too. A lot of people use the Paytm App to receive and make payments, easy UPI money transfers and cashback offers.

Paytm recently launched a new referral offer. In this Paytm referral offer, if you refer your friends then you will get ₹100 cashback in your primary bank account. Apart from this, if you refer your friends to make a recharge or buy FasTag through the Paytm App then also you will get 2000 cashback points and ₹20 cashback.

Paytm Refer and Earn Offer

• First of all, download the Paytm App.
• create an account and link a Bank account.
• Scroll down and tap on ‘Refer & Earn ₹100’.
• Copy your invite link and share it on social media.
• If you refer a friend to make a UPI payment then you will get ₹100.
• If you refer a friend to recharge or buy FasTag then you will get 2000 cashback points and ₹20 cashback.

8. MobiKwik

Download MobiKwik

MobiKwik is also a Payment app. In this app, we can do a lot of things from online money transfers to recharge, and bill payments. MobiKwik recently changed its previous referral offer. And now they have relaunched the referral offer with new terms and conditions.

Now, if you refer your friends to MobiKwik and if they start inviting friends you will get ₹75 cashback in your MobiKwik Wallet. Also, the person who will join MobiKwik through your referral link will get a ₹75 cashback in their MobiKwik wallet after their first UPI transfer. The minimum transfer amount is ₹75.

Please note that, if you have changed your UPI ID before on MobiKwik or if you have linked your Payment Bank on MobiKwik then you will know to earn any cashback. You can use your MobiKwik referral balance to recharge, LIC premium, EMI payments, pay bills etc.

MobiKwik Refer and Earn Offer

• First of all, download the MobiKwik App.
• Create an account and link your Bank account.
• Now scroll down and find the ‘Refer & Earn’ option on the ‘offers for you’ tab.
• Simply copy your invite link and share it on your social media.
• Once your referred friend makes their first UPI payment you will get ₹75 cashback.
• If they add money through your link you will receive ₹100 cashback.

9. Groww App

Download Groww App

Groww is a mutual fund app. In this app, you can buy stocks, mutual funds, and digital gold. To refer and earn money from the Groww App you need to create an account here first. After that, you can easily earn money from the Groww App through referral.

You will get ₹100 for a new referral once they signup through your link and activate their stocks account. The money will directly be deposited to both of your Groww balances. If you don’t make a withdrawal or invest the referral money then Groww will automatically deposit the money to your linked Bank account within some period of time.

Groww App Refer and Earn

           First of all, download the Groww App.

• Register and create your account.
• After submitting all the details, your account will be activated.
• Now tap on the profile icon.
• Scroll down and tap on the ”Share and earn cash rewards” option.
• You can check all your successful and pending invites on the About Invite tab.
• Both of you will receive ₹100 in your Groww balance once they complete their Groww account.

10. Meesho App

Download Meesho

Meesho is known as India’s no 1 reselling app. Here you can earn money by referral and reselling products. I have already written an article on this topic before. Here you can earn money by reselling products and through referrals.

This post is all about ‘the best refer and earn app in India’. So there is no value to talking about Meesho reselling. There are four sections in the Meesho Referral. If you refer your friends to join the Meesho App then you will earn 25% of their sales for the next 12 months.

The four sections are Zero Referral, Rising Star, Super Star and Mega Star. Reselling App Meesho claims that you can earn up to ₹50000 in 12 months from the Meesho App.

Meesho Refer and Earn

• First of all, download the Meesho App.
• Register on this app.
• Tap on the Account option.
• And then choose the ‘Refer & Earn’ option.
• Simply choose the ‘Refer a friend’ and share your Meesho invite link.
• Once your friend joins through your link and starts shopping or reselling, you will get 25% of sales for the first 3 orders.
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11. EarnKaro

Join EarnKaro

If you want to join an affiliate program and earn money from sitting at home then EarnKaro is the best platform for you. As you know, you have to apply for approval for any particular affiliate program.

But in EarnKaro, there is no need to wait for the approval. You can easily start promoting products link on your social media and earn money.

Apart from affiliate marketing, you can earn money from the EarnKaro App by referral too. In this case, you will earn 10% of the profit your friends make forever.

The minimum withdrawal limit is ₹10. You can easily withdraw your earnings from your Bank account.

EarnKaro Refer and Earn

• First of all, download the EarnKaro App and SignUp.
• Tap on the profile option.
• Now select the ‘My Referral’ option.
• Tap on ‘Refer & Earn Lifetime’.
• Share your referral link on Facebook, Telegram or WhatsApp.
• You will get 10% of the profit your friends make forever.

12. OneCode Referral Program

Download OneCode

This is also a similar kind of application to EarnKaro. But you will get to see some different and trending brands that offer great referral benefits in this app. This is the beauty of the One Code app. Here you will get to see a lot of different brands like Upstox, Groww, Dhani, Paytm Money etc. By referring to these brands with the One Code unique link you will earn more cashback. Apart from this, you can also share the OneCode referral link with your friends and earn 10% of their earnings for life. I feel One Code is one of the best refer and earn apps in India. All of your earnings, referrals and pending profits can be seen in the app.

One Code Refer and Earn

• First of all, download the One Code app.
• Register with your email, mobile number and OTP.
• Verify KYC.
• Tap on the ‘Profile’ icon and then choose the ‘Share Now’ option.
• Simply share your OneCode referral link and referral code with friends.
• All your earnings will be sent to your Paytm Bank.
• If you want to promote any brand then first you have to complete training, give some answers and then you are ready to promote any brand.

16. Angel One Demat Account

 DOWNLOAD ANGEL ONE 

 Refer and Earn (Angel One Demat Account)

Whenever you refer a friend, you will receive a free Rs 500 gift voucher. As a reward, if your friend opens a Demat account via your link and trades on Angel One in the next 30 days, then you will receive a Rs 500 voucher.

Gift vouchers can be redeemed on Amazon, Flipkart, Myntra, etc enabling you to purchase products. It is worth mentioning that you will earn more gift vouchers the more people you refer.

• The first and foremost thing that you need to do is open the referral page of Angel One.
• There you will be able to enter your client id and generate a link.
• Share your invite link with your friends after entering your client id.
• You will receive Rs 500 gift vouchers as soon as your friend joins and trades.